The Influence Of Green Credit On The Operation Risk Of Commercial Banks

The fifth Plenary Session of the 19 th CPC Central Committee vividly put forward that it is necessary to promote the development of my country’s economy in a green and civilized way,promote the all-round green transformation of economic and social development,and build a modern society in which man and nature coexist in harmony and health.Therefore,green economy plays an important role in the economy.It plays a pivotal role in high-quality development.On the other hand,with the people’s growing needs for a better life,people’s requirements for quality of life no longer only focus on food,clothing,housing,and transportation,but also put forward higher requirements for the quality of their existing environment.At the same time,the green credit business of my country’s commercial banks is not only an important component that directly constitutes each key link of my country’s modern green financial system,but also an important pillar for accelerating the healthy and stable development of my country’s national economy.However,at present,my country’s green credit business has not yet developed to a mature stage,and a sound supervision and management mechanism has not yet been formed.Most commercial banks carry out green credit business mainly to complete the tasks required by the state,and their subjective initiative is low.As a result,commercial banks’ operation of green credit and its risks have become issues that need to be studied urgently.By studying the specific impact of green credit on bank operating risks,this article will help promote the sustainable development of my country’s banking industry,and therefore has very important theoretical and practical significance.Based on the logic of the dialectical and unified analysis of commonality and individuality,the article first elaborates the concepts of green credit and bank operating risks,taking four representative theories of green credit,namely the equator principle,the theory of social responsibility,the theory of sustainable development and the theory of environmental risk.Basic,multi-dimensional and comprehensive explanation of the internal mechanism of green credit affecting commercial banks’ operational risks,and its positive and negative impacts.Then,it described the current status of domestic commercial banks developing green credit business,summarized the macro policies,credit products of different banks and their implementation effects,and used factor analysis to calculate the operating risks of my country’s banking industry.On this basis,2008 was selected.A multiple regression analysis was conducted on the operating data of the banking industry in 2019 to test the impact of green credit on the operating risks of my country’s banking industry from a common level.In order to further grasp the individual characteristics of green credit influencing bank operating risks,this article selects China Construction Bank as an analysis case.On the basis of a brief introduction to the basic situation of its implementation of green credit,the four risks of liquidity,asset quality,profitability and capital are analyzed.Dimension deeply and systematically analyzes the operating risks of the case bank.Finally,the article puts forward corresponding suggestions from the perspectives of government departments,commercial banks themselves,social organizations,and enterprises to promote the further healthy development of green credit business of commercial banks in my country.