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本篇paper代写- Green credit讨论了绿色信贷。绿色信贷在国外常被称为环境融资或可持续融资，而环境融资是为了提高环境质量、转化环境风险而进行的融资行为或过程。为解决这些环境问题带来的风险，银行必须在发放贷款和制定投资策略的过程中加入衡量环境问题的标准。而把赤道原则作为商业银行信贷投资活动的行为准则，是解决银行绿色信贷投资过程中的环境风险、保证银行收益性的有效手段。本篇paper代写由51due代写平台整理，供大家参考阅读。

Since China's reform and opening up, China's economic and social development has made remarkable achievements, but the extensive growth mode and long-term formation of the structural contradiction has not been a fundamental shift, the contradiction between economic development and resources and environment is sharpened, resources and environment problems have become restricting China's economic and social development, endangering people's health and the outstanding problems affecting social harmony. As a result, the fifth plenary session of the party 18 proposed "green development" concept of development, green development will become "much starker choices-and graver consequences-in" and even a longer period of time China's economic and social development is a basic concept. In this background, financial institutions are involved in environmental governance, promote sustainable economic development and structure transformation and upgrading the role more and more get the attention of the parties, under the green financial development has become the new normal development of the basic requirement of a green economy. At the moment, the bank is still the most important component of China's financial industry, focus on commercial bank green credit development, explore green credit business of commercial bank impact on its profitability, build efficient green investment and financing system will be by far the urgent need of research problems.

Green credit is often called environmental financing or sustainable financing abroad. Sonia Labatt, Rodney R.White, thinks that environmental finance is the financing behavior or process for improving environmental quality and transforming environmental risks. Environmental problems mainly in three ways affect the development of the banking sector, respectively is a new government rules and regulations bank loan losses caused by the loss of Banks' earnings, the court decision of bank credit object directly from risk and Banks handle controversial environment brought by the credit risk of the project. To address the risks posed by these environmental problems, Banks must include measures of environmental problems in their lending and investment strategies. Monaghan, S pointed out that the equator principles as a commercial bank credit investment activities of the code of conduct, is to address the environmental risks in the process of green credit investment bank, is the effective means to guarantee bank profitability. Studies on the combination of green credit and sustainable development of commercial Banks by E.J.C. illiers and E.Diemont have shown that green credit can improve economic efficiency of commercial Banks and promote sustainable development of commercial Banks. Robert Richardson, through research that the bank with environment protection as the theme of sustainable development is necessary, and the cost is not necessarily the highest, under the means of implementation of green credit can even improve the yield.

Domestically, Ma Ping, hai-feng jiang thinks green credit as a kind of social responsibility of Banks, can make the bank in the short term marginal cost increased, but in the long run, due to the system innovation, technology, human resources, developing green credit business will eventually making bank earnings increase. Li3 shuang3 shuang through empirical studies found that commercial Banks in China green credit policy enforcement and its operating performance, there is a positive correlation between Banks can actively implement the green credit policy to reduce the risk of their credibility, and indirectly, have a positive impact on their business performance. According to the data of 16 listed Banks in China, li cheng et al. used the dual difference model to evaluate the effect of green credit on the performance of commercial Banks. The research results show that the green credit policy currently on commercial bank performance and negative affect, to some extent by increasing green credit gains, lowering the cost of green credit and increase punishment is not the implementation of green credit costs to improve the enthusiasm of the implementation of green credit of commercial bank.

Can be seen from the above research review, the overseas study of green credit and bank profitability mostly adopts qualitative method, and think that green credit will help improve bank profitability, and domestic research on the relationship between starts late, although have qualitative and quantitative analysis, but as a result of the research Angle, different stages, the conclusion. Based on the above research, this paper analyzes the influence of green credit on the profitability of Banks at the present stage, in order to find out the way to promote and coordinate the development of the two.

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