Analysis Of The Impact Of Green Credit On The Risk Taking Of Commercial Banks

Since the beginning of modern information society,technology has been developing and progressing,and new technologies such as the Internet have flourished.But at the same time,we have to pay attention to a series of environmental problems caused by this,which is related to the sustainable development of human society can be achieved.China’s management of environmental standards has become stricter and stricter,and continues to advocate green economic development.In this context,it also actively cooperates with the continuous development of green finance-related business,of which green credit is one of the more representative ones.The concept of green credit was first introduced in 2007,and in order to eradicate environmental pollution-related problems,major commercial banks were called upon to actively participate in green credit-related businesses,which led to the bias of funds toward green projects and green enterprises,and the loan threshold for "two high and one leftover" enterprises was also raised to a certain extent,and commercial banks were also challenged by the development of green credit-related businesses.The development of green credit-related business has been greatly challenged,but it also brings certain opportunities for the development of commercial banks.At present,the development of green credit is generally low and the business development is not active,and the research perspective is mainly focused on its impact on the profitability of banks,while the consideration of a new business by commercial banks should not only focus on its profitability,but also on the impact of the business on risk.Therefore,this paper analyzes the impact of green credit on the risk-taking of commercial banks and explores whether green credit is effective in reducing the level of risk-taking of commercial banks,and provides some reference for the development of green credit business of commercial banks,which has certain theoretical and practical significance.This paper firstly introduces the background and significance of the study,summarizes the research results on green credit and commercial bank risk-taking at home and abroad,explains the research content and research methods,and presents the innovation and shortcomings of the paper;secondly,defines the relevant concepts of green credit and commercial bank risk-taking,elaborates the relevant theories,analyzes the current situation,and clarifies the influence mechanism of green credit on commercial bank risk-taking.On this basis,this paper comprehensively considers the relevant data of 30 commercial banks for a total of 10 years from 2011 to 2020,and conducts regression analysis on the impact of green credit on commercial banks’ risk-taking,and finds that increasing the proportion of green credit can reduce banks’ future risk-taking level.Finally,the research results of this paper are summarized,and on this basis,corresponding policy recommendations are given from the perspective of government and banks respectively for the actual situation of commercial banks in China.It is expected that with the guidance of government departments and active cooperation of commercial banks,the development of green credit can be effectively promoted.While accelerating the structural optimization and adjustment of commercial banks,it will contribute to the transformation and modernization of the economy,thus contributing to the green and sustainable development of the whole economy.