Research On The Impact Mechanism Of Green Credit On The Performance Of Listed Commercial Bank

As the main institution to implement green financial policies,promoting green economic transformation is part of its social responsibility.As the main micro subject of green credit business,the issuance of green credit by commercial banks will inevitably have an impact on their performance.However,most of the existing studies focus on the impact of green credit on the operating performance of commercial banks,and lack of comprehensive research on the impact of green credit on bank performance from multiple perspectives.Therefore,there is an urgent need to further explore the internal relationship between green credit and the performance of commercial banks,which is of great significance for commercial banks to further implement green credit and promote green economic transformation.Firstly,this paper defines the concepts of green credit and bank performance on the basis of combing the relevant research results at home and abroad.Then,it sorts out the current situation of green credit of commercial banks in China,and summarizes the problems of green credit of commercial banks.Secondly,according to the measures for the evaluation of commercial banks issued by the Ministry of Finance in 2021,this paper theoretically analyzes the mechanism of green credit affecting the performance of commercial banks from four aspects: the overall performance of banks,development quality,risk prevention and control and operating efficiency.Finally,we select the relevant data of 15 commercial banks from 2010 to 2020 as samples to empirically investigate the impact mechanism of green credit policy on the performance of commercial banks.The results show that:(1)on the whole,green credit helps to improve the overall performance level and development quality of commercial banks.At the same time,green credit can further reduce the credit risk of banks and improve their business performance;(2)Even though green credit can significantly improve the performance of banks in general,the above effects are heterogeneous in different types of banks;(3)Green credit can significantly improve the overall performance level,development quality,risk prevention and control ability and business performance of state-owned businesses.It can significantly promote the risk prevention and control ability of jointstock business,but has no significant impact on the overall performance level,development quality and business performance.For city commercial banks,in addition to promoting the risk prevention and control ability of city commercial banks,there are significant negative effects on other aspects.Finally,it puts forward countermeasures and suggestions from the aspects of improving the construction of green credit financial management system,increasing the support and subsidies for bank green credit business,and improving the construction of enterprise environmental credit evaluation system.