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。
关键词商业银行,金融生态化,评价体系,策略研究

I

ABSTRACT

With the development of economy and finance, old financial theories

have provided unfoundamental explanation and unsustainable guidance for

economic development. A new theory threats the financial system as a whole

ecosystem, pay more attention on law, structures, government, cultural,

moral and ethical factors have been proposed and carried out extensive

discussions. This paper studied the relationship between commercial banks

and financial ecological environment, and tried to define the concept of

financial ecology of commercial banks, to find a more viable way that solve

the financial problem from treating the banks and the financial ecological

environment of a whole unity, use ecological principles and methods, strongly

respect the financial ecosystem characteristics of effective allocation of

resources, and by means of risk management to promote economic growth, but

also to promote the harmony and order financial ecosystem.

The goal of this article is to explore the way that the development of

commercial banks can achieve internal and external coordination and response

to the external environment affects. On the one hand, how to apply financial

ecological research results better to business practices of commercial banks,

and how to achieve financial development of the industry at the same time, to

better promote the social and economic development. Thus the article tried to

establish a quantitative index system and mathematical model. Using this

mathematical model is used to seek for a viable way to improve the level of

bank ecological, which also is the innovation of the article. The articles

selected semi-annual statistics data of all institutional credit departments of a

sub-branch of the NY Bank of Zhejiang Province. A fundamental empirical

analysis had been used to describe the financial internal ecological and

external ecological level and the problems of the NY-bank. And the article

pointed out practicable and detailed suggestion and guidance of how to

improve bank financial ecosystem from this five aspects: the customer base

ecologization, marking system ecologization, risk management ecologization,

product innovation ecologization, bank social responsibility ecologization.
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