Research On The Impact Of Green Credit On The Operating Performance Of Commercial Bank

With the continuous development of global economy,the problem of environmental protection is becoming more and more serious.More and more countries begin to seek new ways of economic development and try to solve the development dilemma of "economyenvironment-resources".At present,under the dual requirements of comprehensively implementing the new development concept and accelerating the construction of a new development pattern,high-quality development supported by green is becoming the development pursuit of China’s modernization.In order to crack the double constraints of "environment-resources",China actively develops green credit business,promotes the vigorous development of China’s green and low-carbon industry with the help of green financial instruments,and realizes the optimization and upgrading of China’s industrial structure.Although the scale of green credit is expanding under the support of the policy and the support of the green industry is strengthening,it still lags behind the business adjustment and resource allocation of the banking industry seriously.At the same time,commercial banks do not actively carry out green credit business,green finance development policies and other problems are still serious.Therefore,it is of great significance to study the internal influence of green credit on the business development and performance development of commercial banks,and to determine whether green credit business can promote the performance growth of commercial banks through green reputation.It is of great significance for the banking industry to use green credit and other green financial tools to promote industrial greening and low-carbon adjustment and upgrading in the new development stage.Thesis studies the impact of green credit on business performance of commercial banks by combining theory,demonstration and case study.First of all,the research literature on green credit,green reputation and bank business performance is logically sorted out to clarify the mechanism and path of green credit affecting business performance and the intermediary role of green reputation.Secondly,thesis calculates the three operating indicators of 16 Chinese commercial banks with the help of entropy weight method,so as to form the comprehensive operating performance of commercial banks and avoid the unitary and onesided evaluation of operating performance indicators of banks.Then,OLS model and WLS model are constructed to study the impact of green credit on bank business performance from2012 to 2021,and the mediating effect of green reputation is discussed.The empirical results show that green credit can actively promote the profitability of banks,enhance the asset risk control ability of banks and improve the asset liquidity of banks,so as to improve the business performance.At the same time,green reputation has a significant mediating effect on the influence of green credit on the bank’s business performance.Furthermore,thesis selects Shanghai Pudong Development Bank as a typical case to analyze,introduces the actual situation of Shanghai Pudong Development Bank’s green credit business,and analyzes the relationship between green credit and business performance in the case.Finally,summarize the relevant conclusions and put draw relevant enlightenment.Chinese commercial banks should strengthen international cooperation,implement financial development policies and draw on domestic and foreign experience in cash development of green finance.Innovate green financial products,improve the service system,and form a green financial guarantee mechanism;Pay attention to the cultivation of financial talents,build a professional team of green credit service,and promote the high-quality development of green finance business;We will integrate fintech and make use of blockchain,big data and other digital applications to improve the efficiency of green credit business support.