【作者】 王玥；

【导师】 彭建刚；

【作者基本信息】 湖南大学 ， 金融学， 2010， 硕士

【摘要】 金融生态是各类金融活动主体之间、金融活动主体与其外部金融环境之间通过相互作用、相互影响而形成的相互依赖的动态平衡系统。如何在金融危机下建设良好的金融生态体系,在危机中发现我国金融业发展的机遇,如何科学准确地对区域金融生态进行评估,已成为理论与实务界共同关注的话题。本文旨在为我国区域金融生态评估提供一种更为科学有效的方法。本文采用比较分析方法,在对当前各种区域金融生态评估方法进行梳理比较的基础上,结合我国区域金融生态特点及区域金融生态的评估目的,对适合于我国区域金融生态评估的方法进行理论与实践上的探索。首先,文章从金融生态理论入手,明确区域金融生态评估目的和特点,对区域金融生态概念以及区域金融生态评估进行界定。在此基础上以区域金融生态是一个复杂巨系统为前提,指出当前各种指标体系存在的问题,并从层次性角度提出区域金融生态指标体系的合理设计。其次,文章对现行几种主要的区域金融评估方法进行阐述和比较,指出其适用范围和存在的缺陷。然后针对目前各种区域金融生态评估方法的局限性,借鉴其他领域的一些评估理论、流程和方法,结合区域金融生态的复杂巨系统的特点,尝试性地将组合赋权法和神经网络模型有机结合运用于区域金融生态的综合评估中,构建基于加权分层的BP神经网络评估模型。最后,采用某省2008年度县域金融生态数据对本文提出的基于加权分层的BP神经网络评估模型进行了实证分析,结果表明本文提出的评估模型下得出的县域金融生态评估结果是有效的。并与已有的组合方法的实证分析比较,表明基于加权分层的BP神经网络评估模型在区分度、互补性、一致性上均优于已有的区域金融生态评估方法,具有较好的适用性和合理性。更多还原

【Abstract】 Financial ecology is dynamic equilibrium system which is formed by the interaction between the financial main body, the financial main body and external financial environment.How to develop a good financial ecology in financial crisis and find the opportunity of Chinese financial industry, how to make a scientific and accurate assessment of the regional financial ecology, has become a topic of common concern both in the theory and practice fields. In this context, this dissertation aims at providing a more scientific and more reasonable method to evaluate regional financial ecology.On the basis of a summary and analysis of the current evaluation methods of regional financial ecology, in accordance with the characteristic and evaluation goal in our country, this dissertation uses the comparative analysis method to make some exploration on the method of Chinese regional financial ecology evaluation both in theory and in practice.First, begin with financial ecology theory, the dissertation identifies the characteristic and goal of regional financial ecology evaluation, defines the concept of regional financial ecology and regional financial ecology evaluation. On that basis, the dissertation sets the precondition as that regional financial ecology is a complex giant system, points out the problem in existing each kinds of indexes system, puts forward the region finance ecology indicator system’s improvement proposal from the layered angle.Second, the dissertation summarizes and analyses current main methods, points out the application scope and limitations of existing evaluation methods. According to the limitations of present each kind of regional financial ecology evaluation method, this dissertation learns from the theories, the process and the methods in other domains, tries to combine the combination weighting method and neural network model for regional financial ecological comprehensive assessment, and sets up the combined evaluation model based on weighted hierarchical BP neural network.At last, the dissertation makes use of the country financial ecology data of a province to conduct an empirical analysis on the combined evaluation model based on weighted hierarchical BP neural network. The result shows that the combined evaluation model based on weighted hierarchical BP neural network is feasible and effective. Using the financial ecological data of a province in 2008, compared to the existing models, the empirical analysis and comparison shows that the proposed model which is based on weighted hierarchical BP neural network model perform well in differentiation, complementary and consistency is superior to existing regional financial ecological assessment methods, with good applicability and rationality.更多还原