Analysis On The Influence Of The Green Credit Business Of Commercial Banks On Their Operating Performance

Since the reform and opening up,China’s rapid economic development,the extensive mode of production,resulting in high energy consumption,high pollution,ecological environment has been greatly damaged,prone to various environmental problems,the country has been shrouded in haze,physical health status of people suffered serious damage accompanied by economic losses.All these have aroused great concern of the government and society,so it is necessary to change the mode of economic growth and adjust the economic structure.Our economy involves many aspects,to promote the role of Finance in economy of our country is great can not be ignored,how to use the financial means to achieve the purpose of protect the environment in recent years,more and more attention of the society,the green finance began to appear in public view.The commercial bank is the core of the financial system,the supply of funds is the main social financing,in order to control the flow of funds of environment-friendly enterprises,to achieve green development,protect the environment is essential to achieve through the bank,which prompted the green credit in our country began to develop.China’s commercial banks to implement green credit business is a positive role in the allocation of resources to protect the environment and to be sure,on the other hand,provides a new way for sustainable development and change the idea of commercial bank itself and the management methods.The bank as a profit for the purpose of the special enterprise,only the implementation of the green credit business can increase its business performance may make banks have the motive force of the development of green credit,green credit business of commercial banks to implement it.Therefore,the study of the impact of the bank green credit business on the banking performance is particularly important.The research object of this paper is the impact of green credit business on the business performance of commercial banks.First study the background and significance of the implementation of the green credit business,domestic and foreign literature,by literature review of green credit;secondly,expounds the theoretical basis of the implementation of the green credit,analysis after completing the foundation;and then analyzes the status of general commercial banks to implement green credit business,points out the existing in the implementation of green the credit business of banks,is the main power of the commercial banks to implement green credit business,the fourth chapter and the fifth chapter through theoretical and empirical analysis of the commercial banks to implement green credit business operation capacity is insufficient,the reason is that the short-term commercial banks to implement green credit business and profitability is negatively correlated,long green reputation and risk aversion is not significant in the current period;the fourth chapter defines the scope of bank performance includes,I think For the performance of commercial banks,including the profitability of commercial banks,the three aspects of risk management of commercial bank and commercial bank’s reputation,and analyzes the factors affecting the profitability of commercial banks,to provide a theoretical basis for the empirical analysis,and analyzes the influence of non quantifiable green credit business of ability and reputation to avoid the risk of the bank,has carried on the theoretical analysis;the fifth chapter is the empirical analysis of the green credit business of commercial bank profitability,and analysis of the empirical results;the last sixth chapters based on the analysis of this article draw the conclusion in the short term,banks to implement green credit business may have a negative impact on the profitability of banks,but the formation of the ability to control risk and green reputation are positive impact on commercial banks to implement the existing problems of green credit business Recommendations should be made to promote better implementation of the bank’s green credit business.