| The impact of green credit on the performance of commercial banks is increasing.At the same time,environmental problems are getting more and more attention from all walks of life.Environmental damage needs to be treated and repaired,but the more important thing is that the environment should be treated from all aspects of the source.Therefore,it is necessary for the financial industry to carry out environmental construction,and let the capital flow to more green enterprises by controlling the capital flow.In the whole financial institutions,the position of banks is very important.As the main supplier of funds,banks can affect the flow and distribution of funds.Therefore,in order to make financial institutions play their due role,we should first start from banks and promote green credit to make funds flow to environment-friendly enterprises,Promote the transformation of China’s economic industrial structure and economic model,so that banks play a greater role.The essence of the bank is the enterprise,when their performance is improved,they will be more willing to develop additional business,so through the research and analysis of the impact of green credit business on bank performance,it is conducive to promote the development of green credit business.Based on the overall situation of green credit business in commercial banks in China,this paper makes an empirical analysis on the data of nine listed banks in the past five years,realizes the combination of theoretical and empirical analysis.Analyzing the impact of implementation of green credit business on the performance of commercial banks from four aspects: profitability,cost,risk control ability and reputation,makes a scientific data analysis on the impact of green credit and risk control ability on the performance of commercial banks,and analyzes the impact of the implementation of cost and reputation business on the profitability of commercial banks through actual cases.It is found that the main problems are the imperfect system of policies and laws and regulations,the lack of motivation for the development of green credit within banks,and the lack of operating environment for green credit.Meanwhile,it puts forward suggestions on the external legislation and internal governance of the problems existing in promoting the new business of green credit,mainly including improving the policy environment,enhancing the driving force for the development of green credit,and improving the development efficiency of banks It is necessary to strengthen the implementation of green credit,clarify the specific disclosure of green credit business,and strengthen the training of internal personnel and the introduction of external talents. |
