| Since 1978,China has achieved remarkable results in economic development.Now it has become the second largest economy in the world,with better international influence and higher international status.However,behind the economic development,there are many environmental problems.Nowadays,our country has attached great importance to the development of green finance based on national strategy,but the green credit is an important part of green finance,which plays an important role in protecting the environment and speeding up the green transformation of economy.To achieve sustainable development,listed commercial banks must scientifically implement green credit,but whether listed commercial banks actively carry out green credit business has a direct relationship with the realization effect and future benefits.Therefore,it is of great practical significance to study the impact of green credit on the operating efficiency of listed commercial banks.This study first expounded the research background,research significance and research purpose,sorted out the relevant research results of domestic and foreign scholars on the connotation of green credit and the impact of this business on the operating efficiency of commercial banks,and then introduced the related concepts of green credit and the implementation of green credit business At the same time,according to the research results of domestic and foreign scholars,the commercial bank operating efficiency is determined as a comprehensive index including three aspects:profitability,safety,and liquidity,and then further analyzes the impact of green credit on my country’s listed commercial banks.affect the transmission mechanism.Taking the relevant data of 17 listed commercial banks in my country from 2011 to 2020 as a research sample,the empirical analysis is conducted using panel data.The empirical results show that the development of green credit business can help improve the profitability of my country’s listed commercial banks.At the same time,increasing the balance of green credit can significantly increase the deposit-loan ratio of commercial banks.In the long run,by optimizing the credit structure and brand Reputation effect Green credit business can improve the operating efficiency of commercial banks.Finally,this paper puts forward corresponding policy suggestions from the two levels of national leve land commercial banks: formulate unified industry standards and implementation tools,increase macro-control efforts,strengthen fiscal funds to support the development of green credit,and improve Commercial banks should focus on cultivating professional talents in terms of green credit innovation. |
