Research on Computer Intelligent Evaluation Model of the Impact of Green Credit on the Operating Performance Using Principal Component Analysis
DOI:
https://doi.org/10.54097/hset.v23i.3614Keywords:
green credit scale, commercial banks, operating performance, principal component analysis method.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.
Downloads
References
Xiaoyan Gao, Ge Gao. The relation between green credit scale and the competitiveness of commercial Banks [J]. Economic Issues, 2018 (07): 15-21
E.J. Cilliers, E. Diemont, D.J. Stobbelaar, W. Timmermans. Sustainable green urban planning: the Green Credit Tool [J]. Journal of Place Management and Development, 2010, 3(1)
Miles,Morgan P, Covin,Jeffrey G. Environmental Marketing: A Source of Reputational , Competitive, and Financial Advantage [J]. Journal of Business Ethics, 2000, 23(3)
Richardson R. 2015. Environmental Finance: Environmental Compliance Can Be Profitable [J]. Natural Gas & Electricity, 2015, 31(3).
Scholtens, B., Dam, L. Banking on the Equator: Are Banks That Adopted the Equator Principles Different from Non-Adopters? [J]. World Development, 2007, 35(8): 1307-1328.
Ning Ding, Yinong Ren, Ying Zuo. Green credit policy benefits or benefits?—— PSM-DID ~1 Cost Efficiency Analysis Based on the resource allocation perspective [J]. Financial Research, 2020 (04): 112-130.
Dexu He, Xuelan Zhang. Thoughts on the Implementation of Green Credit in Commercial Banks in China [J].Shanghai Finance, 2007, (12)
Zhixue Hong, Guodong Wang, Gaoqing Xia. The Impact of the Green Credit Business on the profitability of commercial banks [J]. Environment and Sustainable Development, 2018,43 (01): 25-29.
Han Fengxia, Xiao Hanjie, Dinghong Peng, Shuyu Huo. On the Power of Green Finance Development, —— is based on the tripartite game relationship between the government, banks and enterprises [J]. Economic and Management Review, 2017,33 (05): 88-94.
Cheng Li, Wei Bai, Ye Wang, Yushan Li. How can the green credit policy be effectively implemented by commercial banks—— Research Based on evolutionary game theory and did model [J]. Southern finance, 2016 (01): 47-54
Downloads
Published
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
