Research On The Impact Of Green Credit On The Performance Of Commercial Banks

In recent years,the green financial innovation industry has developed rapidly.With the continuous introduction of ecological civilization construction and environmental protection and other related policies,the concept of sustainable development has gradually penetrated.Therefore,it is of decisive strategic significance to study the optimization of industrial structure and the development of green finance.In August 2016,the Central Bank,China Banking Regulatory Commission and other seven ministries and commissions issued the "Guiding Opinions on Establishing a Green Financial System",which emphasized the need to build a green financial system,support and promote the development of green industries,and provide financial support for banks.Industrial financial institutions have made specific requirements for the definition of green investment and credit business standards,management methods,and review mechanisms to ensure that more credit funds are invested in low-carbon,energy-saving,green recycling and other ecological fields.Commercial banks,as the main lenders of green credit,vigorously develop green finance not only to actively assume social responsibilities and establish a good reputation,but also to optimize the allocation of credit resources,enhance their own competitiveness,and accelerate business transformation and development.First,the research background and purpose of this article are explained.Second,the current research status is analyzed through the collated domestic and foreign related documents.On this basis,the core concepts are defined and the relevant theoretical basis of green credit is summarized.The theoretical support of the following empirical analysis,and a comparative analysis of the development of green credit at home and abroad,expounds the development process,development status and problems of China’s green credit development process.Finally,based on the previous data summary,the operation of commercial banks Performance is analyzed in depth from the three dimensions of profitability,asset quality,and development capabilities,based on which hypotheses are proposed and the impact of green credit on commercial banks is empirically studied.This paper uses the relevant data of 16 listed banks in China from 2010 to 2019 as the research sample.The data is firstly compared and analyzed,and then the Stata measurement software is used to build a panel model of the above-mentioned influence mechanism.The regression results show that:Green credit can enhance business The profitability of banks has a greater impact on joint-stock banks;Green credit will reduce credit risk and increase the asset quality of commercial banks;Green credit is negatively correlated with the growth rate of operating profit,indicating that green credit will decrease The increase in operating profits of commercial banks affects their development capabilities.Finally,combining the results of the empirical analysis and development status,This paper summarizes some specific policy suggestions: the government level should first establish a sound green credit legal system,realize the long-term development of China’s credit business through comprehensive legal means,and secondly establish a green credit incentive and punishment mechanism.Increase support for green industries to curb the development of "two highs and one loan" enterprises;speed up the construction of green credit information channels,establish an information sharing system,and reduce the risk of information mismatch and adverse selection of commercial banks.At the bank level,it is necessary to strengthen credit product innovation and service upgrades,achieve product diversification,and improve service quality to fully meet customer needs;fully optimize its own credit structure to achieve green transformation of business operations;improve risk prevention and control mechanisms and establish a green credit information database.Improve credit review and decision-making capabilities.