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China’s Listed Commercial Banks With Green Credit And An Empirical Study Of The Financial Performance Relationship

Posted on:2024-04-17Degree:MasterType:Thesis
Country:ChinaCandidate:Q D XiaoFull Text:PDF
GTID:2531307100964629Subject:Financial
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First of all,based on the current environmental pollution and its serious,the protection of ecological civilization construction,pollution prevention to be completed as one of the "three big battle",the environmental protection to the national strategic level,and the introduction of green concept of sustainable development,practice General Secretary Xi Jinping’s environmental protection concept of “both gold and silver mountains, but also clear water and green mountains”,in the development of economy while also want to pay attention to the protection of the environment,the construction of economic development,and green credit is in this situation arises at the historic moment.Financial institutions,as intermediaries with credit business and financial financing and social responsibility,have become the responsibility of financial institutions to develop green credit.However,as financial institutions,commercial banks need to make profits,they need to study whether green credit will have an impact on financial performance.Secondly,it is in this research background that the topic to be studied in this paper leads to.To deeply analyze the influence of green credit on the financial performance of listed Banks,this paper first through the literature,found that the relevant scholars on this research conclusions,so this paper intends to sample research,and comprehensively combing the theoretical basis and related concepts,and summarizes the development of green credit and the existing problems.At the same time,to deeply analyze how green credit affects the financial performance of banks,relevant assumptions are put forward according to the theoretical analysis results.In order to verify the accuracy of the hypothesis,the method of empirical research is adopted for quantitative analysis.Then,the empirical part for the use of stata software,finishing 19 listed Banks 7 years of panel data through variable coefficient fixed effect model build the relationship between variables,and according to the size of green credit group regression,study the influence on the financial performance of green credit listed Banks,and use tool variable method to solve the problem of endogenous research model,output regression results,found the implementation of green credit effect heterogeneity.The specific conclusion is to group the samples and compare them with the regression results of the total sample.In the absence of control variables,the coefficient between the balance of green credit and the return on equity of listed banks is not consistent,but neither of them passes the test of significance level,so the conclusion is not true.In the case of joining all control variables,the total sample group results show that green credit has significant positive effect,return of Banks(green credit larger)the regression results also shows that green credit has significant positive effect on financial performance,but for the second type of Banks(green credit smaller)return on net assets without any effect.The validity of hypothesis 1,3 and 2 were verified respectively.In terms of control variables,the total asset variable selected in this paper has no impact on the financial performance of the bank,while other variables have a significant impact.In order to verify the robustness of the conclusion,this paper replaces the explanatory variable with the asset return of assets.The regression results are consistent with the previous analysis,which is enough to show the robustness of the conclusion in this paper.Finally,according to the conclusion,the specific analysis of green credit business of second bank financial performance without any role,and in order to promote commercial Banks to carry out the green credit,realize the sustainable development of economy and environment,respectively from the perspective of the government and commercial Banks put forward some Suggestions for the future development of green credit green recommendations.
Keywords/Search Tags:listed banks, green credit, financial performance, return on equity, non-performing loan ratio
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