The Impact of Green Credit on Commercial Bank Performance

Under the background of China 's " double carbon " goal, green credit has become the core tool for commercial banks to support green transformation. It is of great significance to study the impact of green credit on the performance of commercial banks. Based on the sample of 23 A-share listed commercial banks from 2012 to 2023, this paper empirically tests the impact of green credit on bank performance. The study found that green credit has a significant negative impact on the overall performance of commercial banks. Further heterogeneity analysis shows that large-scale banks can achieve performance improvement with the help of policy support and scale effect, while small and medium-sized banks have a negative effect. High-risk management banks have no significant negative impact, while low-risk management banks have a significant negative effect. This study provides reference and theoretical support for banks and related institutions to scientifically formulate and implement green credit policies.