The relationship between green credit and financial performance
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Shiqi Wu
College:
College of Business and Public Management
Major:
Accounting
Faculty Research Advisor(s):
Huaibing Yu
Abstract:
This research project aims to investigate the relationship between green lending and the performance of financial institutions, with a focus on assessing the long-term impact of green lending on the value and stability of these institutions. By comparing the financial indicators and risk performance of financial institutions providing green lending with those offering traditional lending, this study seeks to provide insights into the implications of green lending for the financial industry.
The project will involve a comparative analysis of financial metrics, such as profit levels, balance sheet structures, capital adequacy ratios, profitability, and cost efficiency, between financial institutions engaged in green lending and those providing traditional lending. Additionally, the study will analyze risk performance, including credit risk, market risk, and operational risk, to evaluate the impact of green lending on risk management within financial institutions.
Through quantitative analysis and qualitative assessment, the research will also evaluate the contribution of green lending to the long-term value of financial institutions. This assessment will consider potential market opportunities, brand value, and customer loyalty that may result from green lending practices, thereby providing a comprehensive understanding of the long-term competitive advantages and sustainability of financial institutions engaged in green lending.
The research methodology will involve data collection and organization from financial reports, risk management reports, and corporate social responsibility disclosures of financial institutions offering green lending and traditional lending products. Statistical analysis techniques, such as average comparison, correlation analysis, and regression analysis, will be applied to the collected data to draw meaningful conclusions.