【作者】 周妮笛；

【导师】 李明贤；

【作者基本信息】 湖南农业大学 ， 企业管理， 2009， 硕士

【摘要】 金融生态这一现代经济金融理论的创新概念,最早由中国人民银行周小川行长提出,他将生态概念引申到金融领域,并由此衍生出了“金融生态环境”。湖南省作为一个中部省份、农业大省,如何改革和发展农村金融促进农村经济发展是一个急待解决的现实问题。本文应用金融生态学和管理工程学的理论,在已有的研究成果基础上,对湖南省14个市(州)区域的农村金融生态环境进行综合评价,为优化培育农村金融生态环境提供决策支持。本文通过对已有理论和研究成果的回顾,从金融生态环境这一视角度,阐述了湖南农村金融生态环境研究的立论依据和存在问题,探讨了农村金融生态环境评价的原则、方法、步骤。结合湖南农村金融生态环境的现实状况,采取定性和定量相结合的研究方法,综合选取了农村经济基础、农村信用环境、农村法制环境、农村社会保障、地方政府服务、农村金融运行等六大要素共23个指标构建农村金融生态环境评价体系。在此基础上,将理论与模型、方法与实证、模型与应用研究融为一体构建了模糊层次分析-数据包络分析法的综合评价模型。模型综合了层次分析法和数据包络分析法对农村金融生态环境的评价,分别考虑了主观和客观偏好,使得评价结果符合实际。由于农村金融生态环境评价的复杂性,模型引入模糊数学的概念,将定性的指标进行模糊化处理,使得数据更具可比性。在此基础上,进一步利用模糊曲线分析法对六大要素进行深入分析,揭示各要素对农村金融生态环境综合评价值的贡献弹性,为湖南14个市(州)区域农村金融生态环境的差异提供了合理解释。本文通过模型对2007年湖南14个市(州)农村金融生态环境进行实证分析,验证了该模型的可行性。从模型结果分析,不仅量化了湖南14个市(州)农村金融生态环境状况,并加以排序;还可以通过数据和图形直观的分析出六大要素贡献弹性值,并据此提出针对性的农村金融生态环境的改进建议。更多还原

【Abstract】 Financial ecology, the innovation concept of modern economic and financial theories, was first put forward by Zhou Xiaochuan, the banker of People’s Bank of China. The theory was formed by implicating ecology concepts into financial field. As a central and major agricultural province of Hunan, how to reform and develop the rural finance to promote economic development in rural areas is a real problem need to be solved. In order to provide financial decision support for cultivating and optimizing the financial ecological environment in rural areas, the thesis was based on the existing research results, and applied Financial Ecology and Management Engineering theory to evaluating rural financial ecological environment of the states of Hunan Province.By retrospecting the theory and research achievements, the thesis brought up question, elaborated argumentation basis, conferred on evaluation principles、methods and steps of rural financial ecological environment in Hunan province. The thesis used the research method integrating qualitative and quantitative analysis, established synthetic performance evaluation indicators system of the rural financial ecological environment from six angles, namely rural economy foundation、rural credit environment、rural legal environment、rural social security、local government services, and rural financial operations. The six elements contained 23 indicators. In addition, the thesis integrated theories and models, methods and demonstrations, models and application researches into the model of FAHP-DEA to synthetically evaluate the performance of the rural financial ecological environment. The model integrated the merits of Analytic Hierarchy Process (AHP) and Data Envelopment Analysis (DEA), that made the evaluation match reality for considering subjective and objective preference. It added fuzzy method to the qualitative indicators to improve their comparativeness. On the basis, the further use of fuzzy curve method was to conduct in-depth analysis of six major elements, revealing the contribution flexibility of the elements of the rural financial ecological environment to a comprehensive evaluation value. The result provided a reasonable explanation of the differences in rural financial ecological environment.By experimental research on rural financial ecological environment of each state in Hunan province, the thesis verified the validity of FAHP-DEA model. As the result of the model giving, we can not only quantify and sort rural financial ecological environment each state in Hunan province, but also can analyze the contribution flexibility of the six elements through data analysis and intuitive graphs. Based on the results, the paper targeted to the rural financial recommendations for improvement of ecological environment.更多还原