The Research On The Impact Of Green Credit On Commercial Banks Under The View Of Scale Heterogeneity

With the rapid development of China’s economy,the traditional and extensive development mode has caused a great impact on the ecological environment.In order to better protect the ecological environment,change the development model,and promote the economic development to the green and sustainable direction are the current necessary strategic measures.Since the role of the financial system in economic development,financial institutions,especially commercial banks,play a decisive role in the process of economic transformation and development.As one of the important ways to promote the development of green finance in China,green credit aims to guide the green allocation of social capital through the development of related businesses,with banks as the main body.But in the process of the green credit’s development,the business performance of banks will also be affected,and the quality and degree of its impact will be directly related to the enthusiasm and initiative of commercial banks to implement relevant policies and the stability of long-term business development.Therefore,it is very necessary to deeply explore the impact of green credit on the business performance of commercial banks.The paper first expounds the relevant research background and significance,and combing the main research results and related theoretical basis,define the concept of green credit and business performance,at the same time according to the principles of commercial bank management and previous research,the business performance as the comprehensive indicators of profitability,security and liquidity,and analyzes the mechanism of green credit on commercial bank performance.Secondly,the paper sorts out and analyzes the current status and problems of green credit in China’s commercial banks,and concludes that the development of green credit in China shows the continuous improvement of the system and the increasingly rich products.With the current situation of gradually increasing scale,there are also problems such as imperfect information disclosure and sharing mechanism,insufficient product innovation,and imperfect incentive mechanism.Again,in the empirical analysis,the paper from the perspective of scale heterogeneity,selected five large state-owned banks and eleven small and medium-sized banks as sample,through the factor analysis to measure the comprehensive performance of the bank,and based on GMM model to analyze the impact of green credit on the performance of commercial banks,and related heterogeneity,the research results show:(1)Green credit scale on the whole sample of commercial Banks has a significant positive impact.(2)The influence of green credit on the performance of commercial banks of different sizes is heterogeneous,and the positive impact on small and medium-sized banks is relatively more significant.(3)In terms of the specific perspective of impact,the impact of green credit scale has a significant positive impact on the profitability and liquidity of the whole sample of commercial banks.(4)The impact of green credit on "three characteristics" factors of business performance of commercial banks of different sizes is different.Finally,based on the empirical results and the specific situation of green credit business carried out by domestic banks,the paper puts forward relevant feasible suggestions from the government and banks respectively,in order to promote the better and more stable development of green credit.