Green Credit For Chinese Listed Commercial Banks Impact Study On Operational Performance

At present,under the concept of our country advocating green development,a great wave of green revolution has been launched,among which the listed commercial banks have become the trend of development by developing green credit business to realize business transformation and innovation.On the one hand,the government promotes the green credit policy to the listed commercial banks to play an active role in protecting the environment and resource allocation,on the other hand,it also provides the theory basis and implementation way for the green operation of the listed commercial banks.Therefore,it is the key to explore whether green credit can improve the performance of listed commercial banks.This article first elaborated the green credit of listed commercial Banks in China the research background and significance of the influence of operating performance,and in view of the green credit problems related research at home and abroad,established the research ideas and research content.On the basis of green credit,financial and environmental performance and other related concepts and the related factors influencing the business performance are introduced in detail,emphasis on the analysis of the effect of green credit of commercial bank profitability mechanism,green credit of commercial bank credit risk mechanism,the influence of green credit of commercial bank middle business income effect mechanism,to provide theoretical support for the empirical part of the study.Secondly,the development status and existing problems of green credit in listed commercial banks are analyzed.This paper examines the development of green credit in listed commercial banks from three aspects: green credit system construction,green credit products and green credit effect.Based on the analysis of the current situation,it is found that there are four problems in the development of green credit of listed commercial banks.Second,the listed commercial bank green credit scale is small,the motive force is insufficient.Third,the listed commercial banks green credit products are less variety,product innovation is insufficient.Fourthly,the disclosure mechanism of green credit information of listed commercial banks is not perfect,and it lacks of compulsory restriction.The third is the empirical study of the effect of green credit on the performance of listed commercial banks.On the basis of determining the evaluation index of green credit and related control variables,the individual fixed effect panel model was used to investigate the effect of green credit on the profitability of listed commercial banks,the effect of green credit on the credit risk of listed commercial banks,and the effect of green credit on the income of intermediate business of listed commercial banks.The empirical results show that:(1)In the short term,green credit has a significant negative effect on the profitability of Chinese listed commercial banks;(2)The greater the ratio of green credit and the lower the non-performing loan ratio,it shows that green credit can help the management of credit risk of listed commercial banks in China;(3)The greater the proportion of green credit,the higher the income of the intermediate business,which reflects that green credit is conducive to the significant increase of the income of the intermediate business of the listed commercial banks and promotes the development and innovation of the listed commercial banks.Then is the domestic and foreign commercial banks green credit practice and relevant experience.Based on the development system and mode of green credit abroad,this paper introduces the characteristics of green credit of Citi Bank of the United States,Mizuho Bank of Japan,and Xinye Bank of China in practice,so as to provide reference for the development of green credit of listed commercial banks in China.Finally,conclusions and policy recommendations.On the basis of summing up the conclusion,combining the problems existing in green development of listed commercial banks and the practice of domestic and foreign commercial banks in green credit,the author puts forward that further promoting green credit development can boost the performance of listed commercial banks.