Research on Computer Intelligent Evaluation Model of the Impact of Green Credit on the Operating Performance Using Principal Component Analysis

Abstract

Under the background of "carbon peaking and carbon neutrality goals", green credit has become an important financial strategy to support green development, and commercial banks play a core role as the main force of implementing green credit policy. Based on the data of 10 commercial banks with relatively early and complete disclosure of green credit scale from 2016 to 2020, this paper establishes the operating performance evaluation system of commercial banks by using the principal component analysis(PCA)method, and establishes a fixed-effect model to empirically analyze the impact of green credit scale on the operating performance of commercial banks. The results show that there is a significant positive correlation between the scale of green credit and the operating performance of commercial banks. The implementation of green credit policy will improve the operating performance of commercial banks, and the promoting role of state-owned commercial banks is more prominent than that of small and medium-sized joint-stock commercial banks.