The Research Of Green Credit’s Impacton Commercial Banks’ Performance

With the countries around the world paying more attention on the issue of economic environment protection,the new concept of sustainable development has reached a consensus all over the world and commercial banks began to join the bandwagon of developing "low-carbon economy”.Although green finance business of international commercial banks is growing globally,green credit isstill facing the problem of promotion and popularization.In the practice of green finance based on corporate and social responsibility,foreign banking is accused of “CSR-Washing”and “Green Washing”.At the same time,Whitewashing of Green credit business growth has existed in domestic banking in different degrees.So,promoting commercial banks to actively carry out green credit effectively needs to explore the performance of green credit of commercial banks,in order to support them to carry out green creditimitatively.Firstly,with using theoretical research and comparative inductive method,the author summarizes the theoretical basis of the emergence and development of green credit,and describes the meaning of green credit and generalizes non-economic factors and economic factors which effect green credit performance of commercial banks.Secondly,starting from a realistic background,this paper analyzes the present situation of international banks to carry out green credit and successful points out the successful experience of international banks in support of government’s economic instruments,product innovation,Influence Function of market reputation and other aspects.At the same time,the paper analyzes present situation of 16 listed commercial banks in our country from the four aspects of green credit include policy evolution,the scale of business,information disclosure,internal management.Finally,the paper summarizes the cause that leads to developmental Delay of green credit of commercial banks in our country.In theempirical part of reach on performance of commercial banks’ green credit,through the study of 10 listed commercial banks,the paper structures roundly the disclosure of the evaluation index system of green credit information and adopts green reputation,green credit disclosure and indicators of corporate social responsibility to measure the performance of commercial banks green credit.Through the data processing and analysis,the paper got the conclusion that corporate social responsibility,green reputation and green credit quality disclosures have positive relationship with Bank Performance.In the final section of countermeasures,the paper summarizes four countermeasures as follows: improve risk-return relationship of green credit business,strengthen effect of promoting of green reputation to bank performance,promote innovation ability green finance of commercial banks and optimize legal protection system of green credit.