| Since China implemented the reform and opening policy of internal reform and opening to the outside world in 1978,the economic level of Chinese society has been greatly improved,but in the context of this economic leap,many environmental problems have also emerged.The general view of solving the problem is to rely on the leadership of the environmental protection department and the conscious behavior of the people to protect the environment.However,in fact,environmental protection only depends on the leadership of the environmental protection department and the response and support of the people.In the actual situation,it has been proved to be far It is far from enough.At this time,social departments with the ability to adjust social resources are needed to help advance.The financial industry just has a huge ability to adjust social resources,so the financial industry should put more resources and manpower into environmental protection industries and projects to protect the environment.In the process of promoting green development,the financial sector can adjust and allocate the direction of funds,and put more resources into environmentally friendly industries and projects to protect the environment.The concept of "green credit" came into being.In addition to responding to macro policies and fulfilling social responsibilities,commercial banks will also take into account the impact on their own daily operations when operating green credit business.Due to the particularity of banking operation,credit risk is an important factor to consider.Therefore,it is of practical significance to study the relationship between green credit and credit risk.This thesis firstly defines the concepts of green credit,green development and bank credit risk,and introduces the theoretical analysis of the impact of green credit on commercial bank credit risk.Secondly,it expounds the development status of domestic green credit business.Next,theoretical hypotheses are proposed.In order to test the proposed hypothesis,this thesis expounds and investigates the relationship between green credit policy and the credit risk of Chinese commercial banks and the credit risk impact mechanism of China’s financial industry under the premise of reputation perspective,and analyzes it.Using the mediation effect model to test the mediation effect of business reputation,and further test the model’s endogeneity and model stability.The results show that the policies on green loans in my country’s financial industry have a negative correlation and negative effect on the credit risks of Chinese enterprises;business reputation has a more intermediary effect;while the total amount of small and medium-sized commercial banks engaged in green credit services is relatively small,it is easier to accept the impact of green credit services.It is concluded that green credit can reduce the credit risk of commercial banks;secondly,the scale of green credit needs to be improved;finally,bank reputation has an intermediary effect.Based on the above conclusions,this thesis puts forward corresponding suggestions from three aspects: government guarantee and guidance,regional green development and commercial bank self-construction,in order to promote the healthy development of green credit business.From the perspective of the government,it should gradually improve the green credit laws and regulations system,standardize the form and content of banks’ green credit disclosure,help green industries and establish green credit incentives;from the perspective of regional green development,the green evaluation system for the promotion of regional officials should be gradually improved and Considering regional characteristics,we should actively promote industrial transformation and upgradingfrom the perspective of commercial banks,we should actively enhance the enthusiasm for developing green credit business and strengthen the construction of green credit talents. |
