Empirical Research On The Impact Of Green Credit On Commercial Banks' Efficiency

Since the reform and opening up,the extensive economic development of China has been increasingly led to serious environmental pollution problems.Therefore,we need to immediately improve China's sustainable development capabilities and build a green economic system.To develop green credit in Commercial Banks is an important measure to implement the scientific development concept.However,the green credit has both positive and negative effects on commercial banks.Such as uncertain effects will hinder commercial banks from further developing green credit.Therefore,this article focuses on the impact of green credit on the efficiency of commercial banks.First,it introduces the relevant research theories of green credit and its practice in China,and then selects the data of 15 listed banks in China from 2010 to 2018 as a sample,using the DEA model Evaluate the efficiency of commercial banks and the operational efficiency of bank green credit,and finally build a random effect model to conduct an empirical analysis of the relationship between green credit and bank efficiency of 15 commercial banks.The conclusions of the study show that:(1)The comprehensive technical efficiency of the commercial banks in the sample is relatively high,and the level of resource allocation in China's banking industry is excellent.(2)The green credit operation efficiency of the state-owned banks in the sample is lower than that of joint-stock banks and city commercial banks,but all three have problems of ineffective scale.(3)Increasing the green credit ratio and green credit operation efficiency can have a positive impact on the efficiency of commercial banks.(4)State-owned banks and joint-stock banks should improve business efficiency by improving pure technology efficiency and controlling green credit scale,while urban commercial banks should simultaneously increase pure technology efficiency and credit scale.