Research On The Impact Of Social Responsibility And Business Performance Of Commercial Banks

With the advancement of the new era and the increasingly severe international situation,China and even the world are paying more and more attention to the transformation of development mode,the high-quality development of green economy has become the key to China’s economic development,financial services are a key part of social services,China’s society is gradually concerned about the important role of financial tools under the conditions of environmental protection,at the same time,commercial banks as a special and key enterprise,its development norms must be inseparable from the fulfillment of their social responsibilities.Based on the non-equilibrium panel data of 25 listed banks from 2010 to 2020,this thesis selects a fixed-effect model to study the impact of social responsibility on the business performance of commercial banks and the role of green credit regulation,and conducts endogenous tests,heterogeneity analysis and robustness tests.The empirical results show that the social responsibility of commercial banks can improve the profitability of banks and reduce the risk level,while the promotion role of state-owned banks is more obvious,and the development of green credit business has a positive moderating effect on the relationship.Finally,according to the empirical results,corresponding policy suggestions are put forward,and in terms of social responsibility,the government should improve the social responsibility reporting system of commercial banks,promote policy guidance,enhance the self-discipline of the banking industry in assuming social responsibility,promote commercial banks to take the initiative to assume social responsibility,and pay more attention to the implementation of social responsibility by non-state-owned banks.In addition,it is necessary to encourage the development of green credit and promote the green transformation of the economy.Banks should establish a green credit operation system to promote the development of green credit business.