Research On The Impact Of Green Credit On The Performance Of Listed Commercial Banks In China

In recent years,with the rapid economic development of all countries in the world,the environmental problems of ecological pollution have become more and more serious.and the contradiction between economic development and ecological environment has become increasingly prominent.Environmental problems have attracted widespread attention of all countries in the world.To solve this problem,we need to start from the economic aspect,green finance emerges under such a background.As an important part of the financial industry,listed commercial banks are the largest supplier of capital for enterprises,and play a role in guiding the flow of social funds.As a way of green finance,green credit is the main way for listed commercial banks to solve the problems of ecological environment and economic development.All listed commercial banks in China have increased their investment in green finance.and the scale of green credit has also increased year by year.Green credit,as the main way to guide the flow of funds,is one of the main ways to solve the contradiction between environmental problems and economic development.This paper takes the listed listed commercial banks in China as the research object.Firstly,it combs the relevant literature on green credit,environmental finance,green credit and business performance.Then it introduces the relevant theories of green credit,such as sustainable development theory,equatorial principle and social enterprise responsibility theory.Then it analyses the current situation of the development of green credit of listed commercial banks in China from the aspects of the construction of relevant systems and the innovation of green credit products.Then it analyses the impact of green credit on the performance of listed commercial banks in China from three aspects:profitability,operational risk and intermediary business income.For operational risk and intermediary business income,this paper adopts qualitative analysis method and quantitative analysis for the impact of green credit on the profitability of listed commercial banks in China,using panel data regression method.Through qualitative and quantitative analysis,we can draw the following conclusions:(1)The development of green credit business by listed commercial banks can promote the income of intermediary business.(2)Developing green credit business can reduce the operational risk of banks.(3)Green credit business has a positive impact oii the performance of listed commercial banks in China.Finally.this paper puts forward some feasible suggestions for the green credit business in China’s listed commercial banks.