【摘要】：隨著經(jīng)濟(jì)金融的不斷發(fā)展,原有金融理論已無法合理解釋和科學(xué)指導(dǎo)經(jīng)濟(jì)可持續(xù)發(fā)展。一種更強(qiáng)調(diào)制度、體制、管理、文化、道德倫理等因素的生態(tài)化觀念和系統(tǒng)協(xié)同的金融生態(tài)理論被提出來和進(jìn)行了深入的研究。文章對金融生態(tài)與商業(yè)銀行的關(guān)系進(jìn)行了研究,提出了“商業(yè)銀行金融生態(tài)化”的概念,尋求從銀行和所處的金融生態(tài)環(huán)境的統(tǒng)一體出發(fā),運(yùn)用生態(tài)學(xué)的原理與方法,根據(jù)金融生態(tài)特點(diǎn)有效配置資源,并通過風(fēng)險管理等手段達(dá)到既促進(jìn)經(jīng)濟(jì)增長,又推動金融生態(tài)和諧有序的目的的一種生態(tài)社會經(jīng)濟(jì)的可行之路。 文章目標(biāo)是嘗試探討商業(yè)銀行的發(fā)展如何達(dá)到內(nèi)外部的協(xié)調(diào)并應(yīng)對外部環(huán)境的變化,一方面,如何將金融生態(tài)化研究結(jié)果更好地運(yùn)用與商業(yè)銀行經(jīng)營實(shí)務(wù)；另一方面,如何在實(shí)現(xiàn)金融行業(yè)發(fā)展的同時,更好地推動社會經(jīng)濟(jì)發(fā)展。因此文章建立一個可量化的指標(biāo)體系數(shù)理模型,通過數(shù)理模型科學(xué)地尋求改善銀行金融生態(tài)化水平的可行之道。這也同時是文章的創(chuàng)新之處。文章選取浙江省NY銀行所有一級支行機(jī)構(gòu)信貸部門統(tǒng)計(jì)半年期數(shù)據(jù),通過實(shí)證分析,詳細(xì)探討NY銀行金融內(nèi)部生態(tài)化和外部生態(tài)化水平和存在的問題,并從客戶基礎(chǔ)生態(tài)化、營銷體系生態(tài)化、經(jīng)營機(jī)制生態(tài)化、風(fēng)險管理生態(tài)化、產(chǎn)品創(chuàng)新生態(tài)化、銀行社會責(zé)任生態(tài)化六個方面對銀行金融生態(tài)化提出了具體改進(jìn)措施和指導(dǎo)建議。
[Abstract]:With the continuous development of economy and finance, the original financial theory has been unable to explain and scientifically guide the sustainable development of economy. A financial ecological theory with more emphasis on system, management, culture, ethics and so on has been put forward and studied deeply. This paper studies the relationship between financial ecology and commercial banks, puts forward the concept of "financial ecology of commercial banks", and seeks to apply the principles and methods of ecology from the unity of banks and their financial ecological environment. According to the characteristics of financial ecology, it is a feasible way for eco-social economy to allocate resources effectively and to promote economic growth as well as harmonious and orderly financial ecology by means of risk management. The purpose of this paper is to try to explore how the development of commercial banks to achieve internal and external coordination and to cope with the changes in the external environment, on the one hand, how to better use the financial ecological research results and commercial banks business practice; On the other hand, how to realize the development of financial industry, better promote social and economic development at the same time. Therefore, this paper establishes a quantifiable index system mathematical model, and scientifically seeks the feasible way to improve the ecological level of banking finance through mathematical and physical model. This is also the innovation of the article. This paper selects the semi-annual statistical data of the credit department of all the first-level branches of NY Bank of Zhejiang Province, and through empirical analysis, discusses in detail the level and problems of the ecologicalization of the internal and external finance of the NY Bank, and from the perspective of the ecologicalization of the customer base. Six aspects of ecologicalization of marketing system, management mechanism, risk management, product innovation and bank social responsibility are put forward.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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