Study On The Profit Of Commercial Banks In China By Green Credit

Since the beginning of the 21 century,the trend of economic globalization has been increasing rapidly.Our country is also on the road of reform and opening up,striving to connect with the development of the world.However,while the world is developing its economy,environmental problems are becoming increasingly prominent,and countries are paying more and more attention to environmental problems.They hope to reduce greenhouse gas emissions,river pollution and air pollution through joint efforts.In order to alleviate the negative impact of environmental problems on people's lives and bodies.In accordance with the trend of world economic development,China pays a great deal of resources and environmental costs in order to avoid the development of economy at the same time.It puts forward a way to protect the environment and take the road of sustainable development,to strengthen energy saving and emission reduction,and to change the way of economic development.Green credit policy is a solution to environmental problems in China,which aims to promote the improvement of environment and the sustainable development of society by utilizing the reasonable and effective resource allocation of financial institutions.With the continuous development of green credit and the increasing competition of commercial banks,the influence of green credit on commercial profits has become the focus of the banking industry and the governmentThis paper first introduces the concept of green credit,and introduces the relevant policies and theoretical basis of implementing green credit at home and abroad,focusing on the source of green credit-Equator principle.Including project financing and stakeholder interaction mechanism.Taking green credit for commercial bank profit as the research object,this paper expounds the relationship between green credit and commercial bank profitability and obtains the concrete influence.Secondly,it is clear that the green credit business in our country is still in the initial stage,so there are many problems in the development of green credit system.Economic benefit and ecological benefit explain the importance of carrying out green credit business in China.Finally,from the commercial bank practice green credit business status to find out the existing problems.The empirical research in this paper firstly adopts the method of qualitative and quantitative analysis,then selects the relevant data disclosed by listed banks in recent years to establish the panel data regression model,and tests the stability of the data introduced into the model.In this paper,the relationship between green credit and commercial bank profits is studied.Finally,some policy suggestions are put forward according to the research results.On the one hand,we should perfect the legal system from the government,establish the information publicity system,vigorously propagate the consciousness of environmental protection,and guide the right direction of the folk capital.On the other hand,banks need to draw lessons from domestic and foreign experience to introduce market mechanism,train compound talents,develop green financial products and other relevant suggestions,which will help to promote the development of green credit of commercial banks in China.