Explore The Effect Of Green Credit On The Performance And Risk Of Commercial Banks In China

With the rapid development of the digital economy,it has provided a new development path and development direction for global modern finance.From the perspective of its actual development situation and impact,the ecological environment has become the most direct“victim” and has long been “haze”.Covering this,to a certain extent,it provides a valuable opportunity for China to implement the modern green development concept.The financial sector of a country is the core of the modern economy.Its development is related to economic and social development and stability.In early 2012,in order to effectively solve the relevant problems in the implementation of the green credit business,relevant departments have issued policy measures,such as The Green Credit Guidelines,which has been launched as an important basis for the development of green credit by major banking institutions,has,to some extent,effectively controlled and regulated the green credit information disclosure mechanism of listed commercial banks.In January 2015,in order to further promote the rapid development of green credit,the relevant state agencies promulgated and implemented the “Guidelines for Energy Efficiency Credit”.The introduction of this guideline has pointed out the direction for the long-term development of major listed commercial banks in China,and also works for green credit.The development laid a solid foundation.The following year,the national “13th Five-Year Plan” proposed the green finance as the development focus,especially the green bonds and green credit,and achieved the effective establishment of the green development fund in the context of policy demand at that time.With the “Guiding Opinions on Building a Green Financial System” promulgated in August2016,the “Division Plan for Implementing the “Guiding Opinions on Building a Green Financial System” in 2017” and the “People's Bank of China” issued in 2018 Notice of the Green Loan Special Statistics System(Yinfa [2018] No.10),China's green financial system is being carried out in an orderly manner.At the same time,China is increasingly showing its international leadership in the fieldof green finance,and the development of green finance has become an important global consensus.Through the leverage of finance,the overall investment flow of domestic credit funds is effectively guided,and on the basis of pricing differences,the transformation and upgrading of traditional enterprises and environmental protection enterprises are promoted[[ Zhang Yuyang.Low-carbon credit-China's business Bank Green Credit Innovation Research [J].Guizhou Rural Finance,2015,15(03): 147-149.]].As the main body of green credit,commercial banks have become the main target of this research.The article focuses on the nature and characteristics of such banks,using literature research methods,theoretical analysis methods and empirical analysis methods to briefly summarize the concepts and theories related to green credit.Combined with the status quo and existing problems of credit development of listed commercial banks in China,this paper empirically tests the performance and risk of commercial banks in China with green credit,and fundamentally promotes the green financial development of listed commercial banks in China.