AUTHOR=Xu Yang , Wang Yiqiu , Xie Meng , Guo Chong TITLE=The impact of climate risk on the soundness of local commercial banks in China—based on physical risk and transition risk JOURNAL=Frontiers in Physics VOLUME=13 YEAR=2025 URL=https://www.frontiersin.org/journals/physics/articles/10.3389/fphy.2025.1550471 DOI=10.3389/fphy.2025.1550471 ISSN=2296-424X