Research On The Impact Of Green Credit On Business Ability Of Chinese Commercial Banks

After the industrial revolution,the popularization of internal combustion engines,industrialization and the great increase of economic returns brought by assembly line production made businessmen and entrepreneurs consume excessive natural resources in pursuit of short-term economic windfall profits,wantonly destroy the ecological balance and cause fatal pollution to the environment.In order to improve this unsustainable economic development model and achieve the goal of double carbon emission reduction,green credit policies emerged in the context of green financial development.Green credit policy is an innovative means for commercial banks to use financial leverage to promote the coordinated development of environment,ecology and economy.Specifically,it refers to comprehensively evaluate the financial performance and environmental and social responsibility performance of the enterprise when reviewing the qualification of the enterprise to be financed,and implement differentiated interest rate classified loans.The research of green credit on bank operating performance,profit growth point and environmental energy-saving optimization effect is not only a cutting-edge financial research topic,but also an urgent problem for banks to implement green financial services.Actively promoting and implementing green credit policy is the policy and institutional support for China’s development of green low-carbon sustainable development,which provides new ideas for environmental governance optimization and harmonious development system of stable economic operation.Therefore,the research on green credit policy has both theoretical significance and practical economic value for banking and green economy.This paper studies the impact of green credit on bank performance by establishing a panel regression model,establishes a fixed effect model to study the correlation between green disclosure rate and bank performance,establishes a classification model to study the utility difference of green credit on different commercial banks,and tests the intermediary effect of business management fees.The following four conclusions are summarized:(1)The proportion of green credit has a significant negative impact on bank performance;(2)The negative impact of green credit ratio on state-owned banks is more significant than that on commercial banks;(3)The bank’s green credit business will significantly increase the bank’s business management fees;(4)The impact of green credit on bank performance is transmitted through business management costs.Based on the above research results,the paper puts forward corresponding suggestions on how to implement and promote green credit.