Determinants of Green Credit Evolution in Commercial Banks:An Examination of the Endogenous Environment through NCA and fsQCA Methods
This study leverages the NCA and fsQCA methodologies to construct endogenous environmental conditions from six dimensions—profitability,security,liquidity,scale,innovation,and synergy—and dissect how the endogenous environment influences the evolution of green cred-it within commercial banks.The findings unveil that no single condition variable emerges as an obligatory condition for the advancement of green credit in commercial banks.Furthermore,four configuration types that foster green credit development are discerned through intricate link-matching:rational allocation,steady expansion,diverse drivers,and profit-led growth.Converse-ly,four configuration types that hinder green credit development are also identified:multi-factor deficiency,developmental constraints,latent growth,and those in acute need of expansion.In view of these revelations,recommendations made to overhaul the green credit allocation system,invig-orate the innovation capabilities of commercial banks,and fortify risk management,thus optimi-zing the endogenous environment conducive to the green transformation of commercial banks.
green credit evolutionendogenous environmentcondition configurationNCAfsQCA
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