Research On Policy Optimization Of Green Credit Of Chinese Commercial Banks

Traditional economic growth is a non-green mode of economic growth.High-speed economic growth will always aggravate the problem of environmental pollution.The destruction of the ecological environment will directly increase the operational risk of commercial banks,and may also hinder the long-term healthy development and squeeze of the banking industry.Its living space,thus,it is very important to seek a new model of bank management that is conducive to the protection of the environment and the sustainable development of banks.At the same time,capital is the lifeblood of economic development and the blood of production development.Banks are the bond of financing.Therefore,if you want to change the mode of economic growth and adjust the economic structure,the responsibility of the banking industry is very important.Furthermore,"green credit" has become a new trend,but due to the start of China's green credit policy,there are still many problems.China's government departments have promoted the implementation of green credit policies based on the needs of environmental management and have formulated many laws and policies.However,the relevant laws and policies are still lacking in binding force,especially the lack of policy incentives.As the largest body of China's financial industry,the banking industry mostly targets the maximization of self-interest,and the banks do not have a high return on green credit.Therefore,banks lack the corresponding enthusiasm to implement green credit,and the implementation of green credit policy in the banking industry.The effect is always poor.This is precisely because the green credit policy itself lacks an incentive mechanism for banks.Therefore,in order to promote the long-term and effective development of green credit policies,the existing green credit policies need to be improved.This paper mainly studies the shortcomings of commercial banks' green credit policies,finds the key reasons why commercial banks do not actively implement the policy,ensures the profitability of commercial banks,and improves the implementation of green credit policies by commercial banks by improving green credit policy incentive mechanisms.Enthusiasm.Among them,the analysis of the impact of green credit policies on commercial banks was first conducted through theoretical analysis methods,domestic and foreign comparative analysis methods,and related policies.Then,empirical analysis of DID models was conducted using the data of 16 listed banks from 2007 to 2016.To test the impact,a green credit policy incentive model was constructed with the objective of maximizing profits of commercial banks.Finally,different scenarios were used to conduct corresponding experimental simulations.As a result,it was found that green credit policies often have adverse effects on commercial banks' operating performance.This is the key reason why green credit policies cannot be effectively implemented.To encourage commercial banks to actively implement green credit policies and ensure that commercial bank profits are optimized The key factor of the policy.In addition,the incentive model shows that the government's subsidy to bank green credit interest,moderate reduction of capital adequacy ratio and legal deposit reserve ratio constraints can increase commercial bank profits,and thus play a role in encouraging commercial banks to implement green credit.Finally,combined with the results of the analysis,and supplementing the existing green credit policy with policy incentive mechanisms,this paper proposes policy optimization proposals from the following three aspects: First,the government can subsidize green credit interest rates or subsidize government green loans corresponding to The interest costs of deposits are absorbed to make up for the losses of commercial banks.Second,the government can relax the bank's capital adequacy constraints and remove green credit from the denominator(risk assets)of the formula for calculating the capital adequacy ratio,allowing the bank's free capital to Covering venture capital other than green credit,so that commercial banks' own capital can cover more credit balances;Third,it is also to increase the profit of commercial banks by encouraging commercial banks to implement green credit and from relaxing credit supply.The government can relax the requirements for the preparation of legal deposits for commercial banks that implement green credit policies.