This paper investigates the impact of green credit on the performance and risk of Chinese commercial banks, and also explores the impact of green technology on this mechanism. The results show that for all banks, green loan balances have a significantly negative impact on net profit. While for large, small and medium sized banks, it also reduces and increases bank insolvency risk respectively. Therefore, our findings suggest that the standard mechanism for measuring the benefits of green credit should be improved and the regulatory mechanism for green credit should be strengthened.

中文翻译：

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绿色金融和科技对商业银行利润和风险的影响


本文研究了绿色信贷对我国商业银行绩效和风险的影响，并探讨了绿色技术对此机制的影响。结果显示，对于所有银行而言，绿色贷款余额对净利润均存在显着的负向影响。而对于大型、小型和中型银行来说，也分别降低和增加了银行破产风险。因此，我们的研究结果表明，应完善衡量绿色信贷效益的标准机制，并加强绿色信贷的监管机制。