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The impact of green finance and technology on the commercial banks’ profit and risk

Author

Listed:
  • Zhou, Zhiyi
  • Tong, Jing
  • Lu, Haoyang
  • Luo, Shouyi

Abstract

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.

Suggested Citation

  • Zhou, Zhiyi & Tong, Jing & Lu, Haoyang & Luo, Shouyi, 2024. "The impact of green finance and technology on the commercial banks’ profit and risk," Finance Research Letters, Elsevier, vol. 66(C).
    • Handle: RePEc:eee:finlet:v:66:y:2024:i:c:s1544612324007451
    DOI: 10.1016/j.frl.2024.105715
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