浙江省NY银行金融生态化发展评价研究
发布时间：2019-01-12 08:54
【摘要】：随着经济金融的不断发展,原有金融理论已无法合理解释和科学指导经济可持续发展。一种更强调制度、体制、管理、文化、道德伦理等因素的生态化观念和系统协同的金融生态理论被提出来和进行了深入的研究。文章对金融生态与商业银行的关系进行了研究,提出了“商业银行金融生态化”的概念,寻求从银行和所处的金融生态环境的统一体出发,运用生态学的原理与方法,根据金融生态特点有效配置资源,并通过风险管理等手段达到既促进经济增长,又推动金融生态和谐有序的目的的一种生态社会经济的可行之路。 文章目标是尝试探讨商业银行的发展如何达到内外部的协调并应对外部环境的变化,一方面,如何将金融生态化研究结果更好地运用与商业银行经营实务；另一方面,如何在实现金融行业发展的同时,更好地推动社会经济发展。因此文章建立一个可量化的指标体系数理模型,通过数理模型科学地寻求改善银行金融生态化水平的可行之道。这也同时是文章的创新之处。文章选取浙江省NY银行所有一级支行机构信贷部门统计半年期数据,通过实证分析,详细探讨NY银行金融内部生态化和外部生态化水平和存在的问题,并从客户基础生态化、营销体系生态化、经营机制生态化、风险管理生态化、产品创新生态化、银行社会责任生态化六个方面对银行金融生态化提出了具体改进措施和指导建议。
[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.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2407590
[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.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
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