Analysis On The Positivity Of Commercial Bank To Develop Green Credit

During the 40 years of reform and opening-up,China's economy has made rapid development,while relying on the extensive development model of the past has led to great destruction and waste of environmental resources.The state and the public are aware of the importance of environmental protection and put forward a sustainable development model to ease the contradiction between environment and economic development.As an economic means of environmental protection,green credit has attracted much attention as the main direction of sustainable development.Most of the research shows that green credit is very important to China's current economic and social development,however,the development of green credit in China is not optimistic.The commercial bank,as the main provider of funds,is the main body of green credit,the development of green credit can not be separated from the support of commercial banks,the key to the development of green credit is the positive degree of commercial banks,but also the impact of green credit on commercial banks.Therefore,the purpose of this paper is to try to analyze the influence of green credit on commercial banks by combining theory and demonstration,and then explain how the commercial banks' positivity for green credit,and how to promote the development of green credit in commercial banks,help the reform of the supply side of our country and the sustainable development between environment,economy and society.This paper summarizes the foreign and domestic scholars on green credit research,analyzes the theoretical basis of green credit,introduces the current development of green credit in China,and theoretically analyzes the impact of green credit on profitability,risk and liquidity of commercial banks,Then the statistical data from 2009 to 2016 of 12 representative commercial banks were analyzed through the panel regression model.In this paper,the following conclusions are drawn:(1)Green credit has a positive effect on the profitability of commercial banks;(2)Green Credit has the function of improving the ability of commercial banks to resist risk;(3)Green credit has no significant influence on the liquidity of commercial banks.With the actual development and research results,green credit can improve the business performance of commercial banks and meet their obligations to fulfill their social responsibilities,so that commercial banks have a good positivity for green credit.Finally,this paper puts forward some suggestions on how to improve the commercial bank's positivity for green credit.