On Green Credit Performance Evaluation and Policy Optimization in Tibet
The Fifth Plenary Session of the 18th CPC Central Committee put forward the five development con-cepts of"innovation,coordination,greening,opening up,and inclusiveness",which elevated the"greening"de-velopment strategy to the national level.Tibet,as an important national ecological security barrier,takes a very important strategic position in the overall development of the Party and the State.In recent years,the market scale of green credit in Tibet has been expanding gradually,the credit products are becoming various and abun-dant.Accordingly,the green credit service has shown a rapid development trend.Based on the principle of BSC(balanced score card),this paper constructs an index system for evaluating the green credit performance of com-mercial banks from four dimensions,namely,social benefit,sustainable development,operation and manage-ment,and the practice of the green concepts.And then with 13 commercial banks in Tibet as the objects,an anal-ysis has been carried out.The results show that:firstly,the green performance of all 13 banks in Tibet main-tained a continuous growth from 2017 to 2022,and the average growth rate reached more than 50%(except for Nyingchi Minsheng Rural Bank);secondly,the growth of green performance of the 13 banks was uneven,with the fastest growth of the China Development Bank and the slowest growth of Nyingchi Minsheng Rural Bank;lastly,in terms of the impact of the four dimensions on the green performance,the impact of social benefit was relatively more severe,with a weighting of 0.5323,but the practice of green concepts had a relatively less impact on the green performance,with a weighting of 0.0825.Accordingly,it is recommended to increase the policy support for joint-stock banks and the practice of green concepts.
green creditperformance evaluationAHP(analytic hierarchy process)Tibet