Empirical Study On The Influence Of Green Credit On Commercial Bank Performance

Since the reform and opening up,our economy has made remarkable achievements,but at the same time of rapid economic development,increasingly serious environmental pollution has become the focus of the problem,which not only threatens the lives and health of residents,but also hinders the high-quality development of our economy,which cannot be achieved without the help of green industry,in which green finance plays an important role.Green credit,as the main way of green finance to play its role at present,has attracted wide attention under the background of "double carbon".As an important part of the financial system,commercial banks play an important role in promoting the transformation of green industry and the development of green economy.Whether commercial banks can give full play to their subjective initiative in this process depends on the specific impact of green credit on their operations.Therefore,it is of great significance to study the relationship between green credit and business performance of commercial banks.This article first expounds the research background and significance of the impact of green credit on the business performance of commercial banks,and then reviews the research results of domestic and foreign scholars on green credit and the business performance of commercial banks in order to provide theoretical support for this study.Secondly,it introduces in detail the basic concept of green credit and the five most representative theories,as well as the basic concept of commercial banks’ operating performance,evaluation methods and influencing factors,which provides a theoretical horizon for the empirical analysis of this paper.Based on the previous research methods of domestic and foreign scholars,this paper divides the measurement of commercial banks’ operating performance into four aspects: growth,profitability,security and liquidity,explores the mechanism of green credit on commercial banks’ operating performance and puts forward a research hypothesis.On this basis,relevant data of 16 listed commercial banks from 2012 to 2021 are selected as research samples.Factor analysis is used to reduce the dimension of four aspects of financial indicators of commercial banks,and factor scores are calculated respectively to form a comprehensive financial index Y value,and a model is established to measure the relationship between them and green credit.The regression results show that:(1)With the increase of green credit ratio during the study period,the overall business performance,growth,profitability,safety and liquidity of commercial banks under the whole sample were negatively affected;(2)During the study period,with the increase of the green credit ratio,it has a positive impact on the operating performance,profitability,safety and liquidity of state-owned banks,and a negative impact on their growth;(3)During the study period,with the increase of green credit ratio,it has a negative impact on the operating performance,growth,profitability,safety and liquidity of joint-stock commercial banks;(4)During the study period,with the increase of green credit ratio,it has a positive impact on the growth of urban commercial banks and a negative impact on business performance,profitability,safety and liquidity.Finally,from the above analysis and results,this paper puts forward corresponding policy suggestions from the point of view of the state and the bank respectively.This paper believes that the national level needs to improve from three aspects: first,to formulate industry standards and specific implementation rules in line with the actual,strengthen the guiding role of the industry;Second,strengthen supervision and legal constraints;Third,improve the information disclosure platform,strengthen public opinion publicity.Banks need to improve themselves from three aspects: first,actively implement regulatory requirements and strengthen information disclosure;Second,continue to strengthen green finance innovation;Third,equip the green financial talent team and strengthen the skills of special positions.This paper analyzes the impact of green credit on the operating performance of listed commercial banks through the combination of theory and demonstration,and puts forward corresponding policy suggestions,hoping to provide more theoretical support for commercial banks to carry out high-quality green credit business and their own transformation.