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the components of the Green Credit Ratio (GCR) and used the Generalized Method of
Moments (GMM) to assess their effects on profitability and credit risk in Chinese banks.

The authors found that larger, more profitable banks tend to issue more green credit.
However, green credit is not influenced by bank risk, and risk management is not
considered a significant barrier for banks issuing green credit.
In Vietnam, many researchers have conducted studies related to green credit and
performance of commercial banks. Notable among these studies are:
Hoai Linh et al. (2022) studied green credit in Vietnam, focusing on its current
state and policy recommendations. The research summarized the situation of green
credit in Vietnam during the 2015-2019 period, covering aspects such as scale, structure,

providers, and green credit products. Based on this analysis, the authors proposed
recommendations for the development of green credit in Vietnam.
Phan Thi Hoang Yen and Tran Thi Chau (2020) examined efforts to promote
green credit in Vietnamese commercial banks. The authors argued that commercial
banks face dual challenges: providing sufficient and timely capital for the economy
while ensuring the country's sustainable development toward a global green economy.

Given these challenges, the implementation of green credit by Vietnamese commercial
banks has been accelerating in recent years, and recommendations are needed to further
enhance green credit activities within financial intermediaries.
Dang Thi Minh Nguyet, Nguyen Thanh Phuong, and Pham Thanh Trung
(2021) studied the impact of green credit implementation on the performance of
commercial banks. The authors applied reliability scale analysis and exploratory factor
analysis to assess the influence of green credit implementation on the performance of

Vietnamese commercial banks. The findings indicated that the implementation of green
credit improves the operational efficiency of Vietnamese commercial banks.
Additionally, factors such as the scale of credit, financial results, and asset quality have
a positive correlation with the performance of these banks.
Thus, the results obtained on the credit balance of commercial banks above show
that commercial banks are tending to expand their green credit supply activities, in line

with the country's national green growth program. Along with that, the operational
efficiency of commercial banks is on a positive trend, from financial safety indicators
to the operational efficiency indicators of commercial banks.
3. Research methodology
The research combines methods to evaluate the relationship between green credit
and BIDV's operational efficiency. Using statistical methods to collect data, conduct
analysis, create tables, graphs, and charts for description; perform comparisons,
inductions, syntheses, qualitative analysis combining theory and practice along with

referencing documents to conduct research on green credit and BIDV's operational
efficiency. The research uses secondary data, collecting data on BIDV's financial reports
and annual reports through the source Finance.stock.vn.
4. Green credit at the joint stock commercial bank for investment and
development of vietnam (BIDV)

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