A Study On The Influence Of Green Credit On The Credit Risk Of Commercial Banks In China

In 2018,the government work report clearly pointed out that environmental pollution prevention and control is one of the three major battles facing our country at present.Therefore,as the core of the economy,finance should play the role of optimizing the allocation of its resources,and the core of the financial industry belongs to the banking industry.At present,banks serve the green development of the economy through credit means,which not only brings economic benefits to the banks.Fulfilling social responsibility can also pose great risks.At the same time,the credit risk of banks has always been a matter of great concern,so it is of great significance to study credit risk from the perspective of green credit.This paper studies the relationship between green credit and credit risk of commercial banks in China and the mechanism of dispersing credit risk of green credit from both theoretical and empirical angles.First of all,this paper summarizes the research status at home and abroad from the relationship between green credit and commercial banks,the influencing factors of credit risk and the credit risk of green credit to commercial banks.Secondly,the theory of environmental economics,corporate social responsibility theory,bank risk management and equator principle is used to lay the theoretical foundation for the study of the impact of green credit on the credit risk of commercial banks.Then,16 commercial banks in China's A-share market are selected as research samples,and the green letter is empirically studied.The influence of loan on the credit risk of commercial banks.Finally,according to the theoretical deduction and empirical conclusion,this paper puts forward some suggestions to reduce the bank credit risk from the perspective of green credit.The empirical research part draws the following conclusions:first,green credit generally aggravates the credit risk of commercial banks in China,but this impact has heterogeneous effect,compared with stock-holding banks,The development of green loan by state-owned holding banks is more helpful to reduce the risk of bank credit.Secondly,the development of green credit helps to increase the scale of non-interest income and net profit of commercial banks,and also verifies that green credit can spread the credit risk by increasing the scale of non-interest income and net profit.Third,this kind of green credit is not obvious and green in the current stage by increasing non-interest income and net profit mechanisms to decentralize credit risk.The decentralized credit risk mechanism of color credit is heterogeneous,and the green credit decentralized credit risk mechanism of state-owned banks is more obvious.at the same time,this paper makes a reasonable and practical analysis of the existing problems.