Research On The Impact Of Green Financial Business On The Profitability Of China’s Commercial Banks

At this stage,China’s economy has entered into a period of rapid development,but at the same time it has produced many environmental problems which should be resolved.In this case,in order to avoid the old road of pollution control,"green finance" came into being.When it comes to finance,it is inseparable from commercial banks.Commercial banks are the most basic and important financial institutions in China.They play an important role in the function of guiding the capital pool to guide the flow of leisure funds,and it can guide the social funds to flow to the industry of green environmental protection.However,it cannot be ignored that commercial banks as a company must be profit-seeking.What are the impacts of green finance business on the development of the bank itself? Can the green finance business improve the profitability of commercial banks? These two problems become the key to the development of China’s green finance,as well as the the significance of the article research.The article takes the China’s first equatorial bank,Industrial Bank,as a case to study.Firstly,it introduces the significance of green finance business to China’s environmental protection and commercial bank management,and determines the research content and ideas of the article.Then it sorts out the related literature review at home and abroad,summarizes the theoretical research related to green finance issues,and uses the equator principle.Corporate social responsibility and financial sustainable development theory is the basis of research,which paving the way for later analysis;secondly,the data of 17 listed commercial banks in China are selected for statistical analysis,hoping to find the general relationship between green financial business and commercial bank profitability.Then further analysis of the case of Industrial Bank is made,to explain the development motivation and current situation of Industrial Bank’s green financial business,including the existing green financial product system,and to focus on analyzing the changes in profitability of Industrial Bank after conducting green financial business,through the return on assets Financial indicators such as non-performing loan ratio and net profit are measured.Finally,based on the research results and the case analysis of Industrial Bank,the conclusions are drawn,and some suggestions are made on how to make commercial banks better develop green financial services,including establish green credit incentives mechanism,complete perfection Line and corporate environmental information disclosure system and speed up the training of green financial products and innovative professionals.The innovation of the article is to broaden the research scope of green finance business,which analyze the green credit of commercial banks,green bonds and green funds.The article is also based on the measurement results and case analysis,which makes the two conclusions in line.The results can be mutually proved,which has both universal significance,and the Industrial Bank as an example to deeply analyze the corresponding internal mechanism.