Research On The Impact Of Green Credit On Commercial Bank Profitability

Since the economic globalization,the world economic development which detracts from the achievement,but growth at the expense of the environment caused by ecological problems also gradually revealed,in respect of developing green economy,the transformation of the mode of economic development,financial industry is the core of modern economy,and as one of the main body of financial institutions,commercial Banks in the green credit policy of commercial Banks,as a kind of economic means is general international market environmental protection measures.Under China's current financing structure dominated by indirect financing,bank credit plays a leading role.Through green credit,we can effectively prevent and control the credit scale of "two industries with one surplus",promote the development of green industries such as energy conservation and environmental protection,and achieve a two-way win-win situation between economic development and environmental protection.This paper is written according to the idea of "finding problems-analyzing problems-solving problems".Firstly,the research background and significance of green credit are elaborated,relevant research results at home and abroad are summarized,advantages and disadvantages of relevant scholars are compared,and qualitative analysis,quantitative analysis and long-term and short-term analysis are determined as the starting point of the research.The implementation green credit from the Angle of the qualitative analysis of the influence of the commercial bank profitability mechanism is analyzed,through the theory of cost benefit analysis of short-and long-term under different conditions the relationship between the two,analysis of the implementation of green credit of commercial bank credit structure,management risk,financial innovation,social reputation,the influence of the international competitiveness,etc;Finally,according to relevant index data,empirical research is conducted on the relationship between green credit and commercial Banks' profitability from the perspective of quantitative analysis,and corresponding green credit policy Suggestions are given.The theoretical and empirical results show that,in the short term,there is a negative correlation between green credit and the profitability of commercial Banks.In the long term,due to the scale effect reduced business costs,green credit itself is the external effects,the development of green credit conditions have been mature in our country,further increases in intangible assets such as commercial bank's reputation,further enhance the profitability of the commercial bank's,of course,because of the green credit development in our country is only ten years,the long-term development of the specific conditions and the influence also need the test of practice.