The Impact Of Green Credit On The Performance Of Commercial Banks

In recent years,my country’s real economy has developed rapidly,while at the same time,resource consumption has been increasing day by day,and ecological pollution problems have emerged one after another.Banks are relatively important financial institutions in the capital market.They have the function of guiding social funds into my country’s market,so they should assume the social responsibility of using this function to support sustainable development.In July 2007,relevant Chinese government departments issued the "Opinions on Implementing Environmental Protection Policies and Regulations to Prevent Credit Risks".This is the first time that my country has attempted to use green environmental protection credit policies to solve financial risks and environmental problems.In the current economic and environmental situation,actively promoting and implementing green credit,in addition to the social responsibility that banks should bear,what impact does it have on its operating performance? How effective is the implementation of green credit? At present,the discussion of these issues involves the frontier fields of academia and the financial industry,and has important discussion significance and practical significance.The research object of this article is the Agricultural Bank of China,one of the five largest state-owned banks.The article first discusses the theory,then sorts out the policies implemented by the case bank for the development of green credit,and explains the current status of business development,and then uses the data envelopment analysis method to select green credit-related input and output indicators,and reveals the case by comparing the efficiency values vertically The company’s performance level and change trend in each year after the implementation of green credit.Finally,it ranks the comprehensive efficiency,pure technical efficiency and scale efficiency of the Agricultural Bank of China and other 17 banks from a horizontal perspective,and the performance value and industry data of the Agricultural Bank of China It also compares banks with different property rights,and evaluates the performance level of Chinese commercial banks in the implementation of green credit,and explores the advantages and disadvantages of case companies and the entire banking industry in implementing green credit systems and management.Finally,in order to improve operating performance,enable the rational allocation of green credit resources,and further provide an important basis for the Agricultural Bank of China and other commercial banks to develop green credit business,this article proposes optimization strategies from the two perspectives of the government and banks.