Analysis Of Influencing Factors And Implementation Effect Of Green Credit In Commercial Banks

About how to promote the development of green credit rapidly,we need to understand deeply development process of green credit,current situation and facing difficulties of green credit implementation and implementation decision mechanism of green credit in commercial banks.It is beneficial to find the important influencing factors.We also need to analyze the effect of green credit on the operation and management of commercial banks.It is conducive to judge the power of green credit implementation in commercial banks more accurately and construct the policy system supporting the development of green credit systematically.Therefore,this thesis takes commercial banks as the analysis object.Combined with relevant theories and analysis of the development status of green credit,the advantages and disadvantages of green credit implementation by commercial banks are comprehensively analyzed.The hypothesis of the factors influencing the implementation of green credit and implementation effect in commercial banks are tested are put forward.Principal component analysis was used to identified that government’s policy support for green credit,changes in the financial environment,enterprise technology optimization and the internal mechanism of commercial banks are main influencing factors.Multivariable linear regression model was used to verify the influencing factors of green credit implementation in commercial banks.Using vector autoregressive model and panel data regression model,study the possible effect of green credit on commercial banks.The following is a summary of our main conclusions.Government support,bank size,enterprise optimization and financial environment have a positive impact on the implementation of green credit in commercial banks.Business risk has a negative influence on the implementation of green credit in commercial banks.The green credit business of commercial banks will help to improve the asset quality,management efficiency and risk control of commercial banks,but it has a negative effect on economic benefits.Moreover,there are differences between the two types of commercial banks in the degree of influence of green credit on the four indicators of operation and management effect.Finally,based on the empirical analysis,the thesis puts forward relevant policy recommendations.