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Purpose: The purpose of this study was to examine how green credit loans affect the credit risk of commercial banks in China. The heterogeneity of banks was analyzed, and the synergy with the equity capital ratio was analyzed more innovative in consideration of the impact of the government’s regulatory policy on green credit loans.
Research design, data, and methodology: This study focuses on the influence of green credit on the risk of commercial banks in China. Using the sample data of 16 relatively large commercial banks in China from 2009 to 2019, this paper constructs a static panel data model for empirical analysis.
Results: First, The results show that the green credit business can significantly reduce the non-performing loan ratio (NPLR) of banks. Second, We found that the green credit ratio (GCR) is positively correlated with the NPLR namely, the green credit ratio and credit risk show a "U-shaped" relationship between credit risk and "pre-down, post-up". Third, The impact of green credit on the credit risk of non-state-owned banks is significantly reduced, while the impact on the credit risk of state-owned commercial banks is not significant, Finally, In view of the interaction of capital adequacy ratio(CAR) and green credit on bank credit risk, we find that banks with higher capital adequacy ratio have a more positive effect on reducing credit risk.
Implications: Commercial banks that develop the green credit have risk consideration, especially credit risk. It should be noted that risk management considerations are important for the stability of the banking system. This study provides empirical evidence for commercial banks to reduce the credit risk. The results of this study are helpful in actively promoting China’s green credit loan policy.
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