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

With the development of industrial society,environmental pollution is becoming more and more serious.Problems such as air pollution have attracted great attention all over the world.At present,it has become the consensus of all countries to change the way of resource allocation and curb environmental risks at the source by means of financial means.Green credit has become one of the important means for the banking financial structure to play a leverage role and promote sustainable development.Based on the perspective of developing green credit of commercial Banks,this paper selects industrial bank,the earliest and best developed "equator bank" in China,as the research object to study the impact of developing green credit business on the development of industrial bank.This paper summarizes the concept,process and characteristics of green credit,systematically sorts out the equator principle,corporate social responsibility theory,financial sustainable development theory and environmental risk management theory,and discusses the influence of green credit on the development mechanism of commercial Banks.On this basis,through empirical research,the paper analyzes the impact of green finance on the business performance of commercial Banks.Then,this paper analyzes the development process of green credit of industrial bank.Through case analysis,it is found that green credit has affected the strategic direction,brand reputation,operation efficiency and risk control of industrial bank.Through the analysis of the event,it is found that the implementation of green credit has a positive impact on the stock price of industrial bank.The analysis found that the implementation of green credit business has a good effect on promoting the development of industrial bank and has a positive reference for other commercial Banks.This paper puts forward corresponding Suggestions for commercial Banks to develop green credit business: commercial Banks should strengthen international cooperation,actively participate in the "equator principles",and improve international competitiveness;Commercial Banks should internalize the concept of green credit and give them more decision-making control.Commercial Banks should take more active part in the development of green finance.The government has strengthened policy guidance to create a better environment for development.