| With the rapid economic development,the economic development model of high energy consumption and high pollution has caused a certain degree of damage to our ecological environment.In recent years,smog has enveloped cities,residents have frequent respiratory diseases,human life safety is facing challenges.This has also aroused great attention from our party,government,and society.Therefore,transforming the economic growth model and adjusting the supply structure are currently necessary strategic measures.The financial system play a role in economic development.Changing the economic model,financial institutions,especially commercial banks,play an important role in this.The Nineteenth National Congress of the Party also pointed out that to vigorously develop green finance,the green economy has become the new direction of economic development worldwide.Commercial banks are the pioneers of green finance.Green credit is the most important development method.The impact of green credit on commercial banks’ performance is related to the enthusiasm,initiative,and long-term development of commercial banks in implementing green financial policies.Therefore,in-depth exploration of green The influence of credit on the operating performance of commercial banks is very important.This article mainly studies the impact of green credit on the performance of commercial banks.First,it studies the background and significance of commercial banks ’green credit business.Refer to domestic and foreign literatures for a review of relevant literature.Second,it explains the theoretical basis of commercial banks’ green credit business.,Again,from the three perspectives of profitability,asset quality and reputation,explain the impact mechanism of green credit business on the operating performance of commercial banks.Finally,empirically quantify the impact of green credit business on commercial banks’ profitability and asset quality,qualitative analysis The impact of green credit on the reputation of commercial banks,research shows:First,green credit has a significant negative effect on the profitability of commercial banks in the early stage,a significant positive effect in the long term,and can improve the commercial bank ’s long-term development.Profitability;secondly,green credit is significantly positively correlated with non-performing loan ratio,which shows that green credit cannot improve the asset quality of commercial banks,and third,the development of green credit business can enhance the reputation of commercial banksand thus enhance their peers Competitiveness,reduce its Camp risk.Finally,based on empirical results,we provide feasible policy recommendations for commercial banks to develop green credit. |
