| "Double carbon" is the topic of the new era.It is the focus of General Secretary Xi Jinping in the deliberation of the Inner Mongolia delegation.He believes that this is a reform work with wide impact,which will take a long time to achieve,so we must ensure the scientific progress and the determination to adhere to this task.However,from the perspective of the whole world,green development is the current development goal of all countries,and all countries have reached a consensus in this respect.In order to realize this goal,countries on the one hand,want to consider the promotion of economic development,on the other hand to be on the premise of environmental protection,namely in the process of social construction and environment construction in the development of the green idea,let the green production and way of life become the new direction for people to realize the sustainable development,not only conducive to the beautiful China construction work,At the same time,the goal of scientific and green development is set for the Chinese nation,and how to find a balance between the two is the primary problem at the present stage.According to the current development situation in our country,the traditional development mode is replaced,the new stage of development in the new period,in order to meet the needs of social development in the new period,it should be green development concept as the main thought of economic and social development and the reform implementation specification,on the whole grasp the development trend,to ensure the economic structure and financial development in the direction of science,health,green.According to the performance of green development in the financial field at the present stage,it is in the embryonic stage.According to the scope.of its influence,the country has incorporated the green concept into the national strategic goals,which lays a solid foundation for the development and expansion of green finance while based on the impetus of green finance.With its positive impact on social and economic development,it can be seen that green finance has a certain development prospect.Commercial banks should make full use of this advantage to improve their business,and only in this way can they gain advantages in the competitive market.In order to better promote the implementation of green finance in our financial market,China first promotes the reform of interest rate liberalization,improves the degree of supervision of commercial banks,and then creates a green credit plate.On the one hand,it is beneficial to improve the traditional business structure,and on the other hand,it creates favorable conditions for the management and process reform of commercial banks.Firstly,this paper describes the premise of green credit,and sorts out relevant theoretical literatures at home and abroad,including concepts and definitions.Meanwhile,it explores relevant indicators from different perspectives,taking credit risk,profitability and capital liquidity as the starting point,to find out the indicators that can effectively evaluate its business performance.According to the mechanism of the influence of green credit on commercial banks’ operating performance,it is the theoretical support to further explore green credit.Next to the current our country commercial Banks performing green credit performance analysis,find out the deficiencies and defects of and summarize,although should execute condition show the characteristics such as scale,the category and system more perfect,but because of lack of incentive mechanism,the existence of such problems as imperfect information disclosure applies in the green credit in our country commercial bank also has a certain space for development.From the perspective of empirical research,this paper takes 21 commercial banks as research samples and implements modeling based on the performance of relevant data of the samples from 2013 to 2021.According to the results,the following conclusions can be summarized:First,green credit is beneficial to promote the profitability of Chinese commercial banks.Although domestic commercial banks are actively carrying out research on green credit,the effect of green credit business development is not optimistic.Banks invest a lot of money up front in developing such businesses;Finally,promoting the implementation of the green credit business in our banking industry,we should provide preferential treatment for environmental protection enterprises in some business aspects,which will affect the profit level of the bank to a certain extent To sum up,Chinese banks should develop this business actively in the course of development.Second,the implementation of green credit will increase the credit risk of commercial banks.Commercial banks will indeed face some negative effects due to the development of green credit business,such as higher credit risks.The reasons for the results are as follows:the first is mostly low profitability and smaller companies engaged in environmental protection,the enterprise itself in the process of development will have a long return collection time,once the capital chain rupture of the problems in the process of operation,Banks will face the situation of payment for goods can’t timely recovery of non-performing loan ratio rising;Secondly,the internal control mechanism in China has not improved the contents related to green credit,so it is almost impossible to control the internal risks associated with green credit business in a very short time.Finally,for commercial banks,the development of green credit business may increase the social pressure of lending due to the renewal and change of green credit policies.Third,green credit is beneficial to improve the liquidity of Chinese commercial banks.The reasons for this result are as follows:First of all,consumers themselves will leave a good impression on the banks that carry out green credit business,and consumers with environmental protection ideas will also tend to choose such banks for business to increase their business volume,and the banks will have higher liquidity of assets;Into the environmental factors in the second,for examination and approval of the credit business,highly polluting enterprises will have lower credit pass rate,on the contrary,environmental protection class enterprise can have a higher pass rate,which makes the environmental protection enterprises to realize a virtuous cycle,namely its profitability will ascend along with the enterprise development,green environmental protection enterprises will have more and more high paying ability,In turn,the bank’s liquidity is guaranteed.To the empirical analysis results as the basis,in view of the current green credit in domestic development are scientific and reasonable solution,concrete embodiment in the green credit laws and regulations,internal and external incentive constraint mechanism and environmental information sharing platform,and so on,through a series of perfect measures and construction measures for the development of green credit to create the good conditions,Finally,it lays the foundation for achieving the goal of business performance. |
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