统计与数据科学学院知识库

金融系统类似生态系统，其内部亦存在着“生物圈”。金融系统内的经济环 境、金融信用环境、政府环境、社会环境、法制环境等要素之间相互竞争，共同 发展，构成了金融生态环境。金融生态环境的良性循环不仅有利于金融系统的稳 健发展和地区金融资源配置效率的提高，还能有效防范和规避金融风险。 甘肃省作为我国西北地区的重要省份，目前，省内金融生态环境质量一般， 主要表现在经济总量偏低、产业结构仍需调整优化、金融信用意识薄弱、地方政 府债务压力大、财政能力低、法制体系不完善、地区间人民生活水平差距大等方 面。这种局面使得大量的潜在金融风险累积，不利于维护甘肃省金融系统的稳定， 可能会阻碍金融生态环境的可持续发展。本文的研究目的就是利用定量分析的方 法对甘肃省 14 个地级市的金融生态环境进行评价，寻找其金融生态环境发展的 薄弱点，根据理论分析和定量分析的结果提出相关建议，以减少潜在金融风险的 累积，保持金融系统的稳健发展。 本文首先对国内外相关文献进行了大量研究与归纳，总结了甘肃省金融生态 环境的主要构成要素，并对各项要素的内涵和作用机理进行了分析论述。然后对 甘肃省金融生态环境现状进行研究，并参考前人研究成果，构建了甘肃省金融生 态环境评价指标体系。随后利用结构方程模型建立了本文的评价模型，对金融生 态环境各要素之间的关系进行测度，并对 14 个地级市 2013 年-2018 年的金融生 态环境质量进行了排名和等级划分。实证结果表明，1.甘肃省整体金融生态环境 水平一般，不同地级市之间的差距较大；2.经济环境和金融信用环境的发展表现 较好；3.政府环境、社会环境的发展水平有待提升；4.各地级市的 4 个金融生态 环境水平之间的发展不平衡，存在着竞争关系。 针对甘肃省金融生态环境的现状和实证结果，本文提出了 5 点优化建议 1.加 快产业结构调整升级；2.发挥中心城市辐射作用；3.提升政府综合服务能力；4.加 强社会信用软约束建设；5.完善金融法制体系建设。

Financial systems are like ecosystems, with a biosphere within them. The economic environment, financial credit environment, government environment, social environment, legal environment and other factors in the financial system compete with each other and develop together, forming the financial ecological environment. The virtuous circle of financial ecological environment is not only conducive to the steady development of financial system and the improvement of regional financial resources allocation efficiency, but also can effectively prevent and avoid financial risks. Gansu province as one of the important provinces in northwest China, at present, the province's financial ecological environment quality is general, mainly manifested in the economy is low, still need to adjust the industrial structure optimization, financial credit consciousness is weak, great pressure of local government debt, financial ability, imperfect legal system, people's living standard gap between regions, etc. This situation makes a large number of potential financial risks accumulate, which is not conducive to maintaining the stability of the financial system in Gansu province and may hinder the sustainable development of the financial ecological environment. The purpose of this study is to use the method of quantitative analysis of 14 cities in Gansu province's financial ecological environment evaluation, and to find the weak spot of the development of the financial ecological environment, according to the result of theoretical analysis and quantitative analysis of some Suggestions, in order to reduce the accumulation of potential financial risks, maintain the stable development of the financial system. Firstly, this thesis makes a lot of researches and summaries on relevant literatures at home and abroad, summarizes the main components 兰州财经大学硕士学位论文 甘肃省金融生态环境评价研究 of financial ecological environment in Gansu province, and analyzes and discusses the connotation and mechanism of each component. Then, the current situation of financial ecological environment in Gansu province was studied, and the evaluation index system of financial ecological environment in Gansu province was constructed by referring to the previous research results. Then the evaluation model of this thesis was established by using the structural equation model to measure the relationship between various elements of the financial ecological environment, and the financial ecological environment quality of 14 prefecture-level cities from 2013 to 2018 was ranked and graded. The empirical results show that: 1. The overall level of financial ecological environment in Gansu province is general, and the gap between different prefecture-level cities is large; 2. The development performance of economic environment and financial credit environment is good; 3. The development level of government environment and social environment needs to be improved; 4. The development of the four levels of financial ecological environment in prefecture-level cities is unbalanced and there is a competitive relationship. In view of the current situation and empirical results of financial ecological environment in Gansu province, this thesis puts forward five optimization Suggestions:1.Accelerate the adjustment and upgrading of industrial structure;2.Play the radiation role of central cities;3.Enhance the comprehensive service capacity of the government;4.Strengthen the soft restraint construction of social credit;5.Improve the financial legal system.