Research on the Impact of Green Credit on Small and Medium Commercial Banks

Abstract

With the continuous promotion of green finance and the continuous development of green economy, green credit business has gradually become a new profit growth point for small and medium-sized joint-stock commercial banks, which continuously affects their financial performance. Based on this, we now take my country's small and medium joint-stock commercial banks as the research object, and use the panel data of my country's 10 small and medium joint-stock commercial banks to develop green credit from 2012 to 2018 to empirically analyze the impact of green credit on the financial performance of my country's small and medium-sized joint-stock commercial banks. It is concluded that the development of green credit has a positive impact on my country's small and medium joint-stock commercial banks. It also provides suggestions for improvement from three aspects: expanding the scale of loans, refining the review system, and developing diversified green credit products, so as to provide reference for my country's small and medium joint-stock commercial banks to better implement green credit policies.