辽宁省金融生态环境研究

辽宁省金融生态环境研究摘要辽宁省作为我国传统制造业大省而闻名，曾以煤炭、钢铁等传统行业被熟知，但这些引以为傲的产业在时代发展过程中不断被淘汰，变成中低端产品行业，因此必须进行改革。辽宁省存在资金严重匮乏问题，而资金却是进行改革的关键因素。只有对辽宁省金融生态环境的现状有了清醒的认识，才能更好地找到对策以提高辽宁省区域金融生态环境。国内外金融发展的实践证明，金融生态的好坏直接关系到贷款风险的大小和新增不良贷款的比例，金融生态环境对于金融业发展的重要性可想而知。本文首先引出金融生态环境的理论基础及其对区域经济发展的重要性，其次主要以辽宁省为例对其生态环境综合分析，再次指出辽宁省金融生态环境面临的主要问题。最后，对如何改善辽宁省金融生态环境建设提出建议。现如今，辽宁省金融生态环境处于危险状态，主要有法律制度不完善、金融监管机制不合理、社会信用体系不健全等问题。本文对辽宁金融生态环境的现状进行深入分析，并针对辽宁金融生态环境优化的问题提出对策建议。关键词：金融生态环境，区域经济，金融发展，金融监管机制Study on Financial Ecological Environment --A Case Study ofLiaoning ProvinceAbstract:As a traditional manufacturing province,Liaoning Province was once famous fortraditional industries such as steel and coal,but these proud industries have been eliminated inthe changing trend and become medium and low-end product industries.Therefore,reform isnecessary.The key factor for the smooth progress of reform is capital,but Liaoning Province isseriously short of capital.Only by recognizing the current situation of the financial ecologicalenvironment in Liaoning Province,can we better find the countermeasures to improve theregional financial ecological environment in Liaoning Province.The practice of financialdevelopment at home and abroad has proved that the quality of financial ecology is directlyrelated to the size of loan risk and the proportion of new non-performing loans.The importanceof financial ecological environment to the development of financial industry is self-evident.Firstly,this paper introduces the theoretical basis of financial ecological environment and itsimportance to regional economic development.Secondly,taking Liaoning Province as anexample,this paper makes a comprehensive analysis of its ecological environment,and pointsout the main problems it faces.Finally,it puts forward some suggestions on the construction offinancial ecological environment in Liaoning Province.At present,the financial ecologicalenvironment in Liaoning Province is in a dangerous state,mainly including imperfect legalsystem,unreasonable financial supervision mechanism,imperfect social credit system and soon.This paper deeply analyzes the current situation of Liaoning financial ecologicalenvironment,and puts forward countermeasures and suggestions to optimize Liaoning financialecological environment.Keywords:Financial ecological environment,Regional economy,Financial development,Financial supervision mechanismⅡ目录一、引言………………………………二、金融生态与区域经济增长关系的理论基础40…………”””年”(一)金融生态概念(二)金融生态和区域经济增长之间的主要机制…三、辽宁省金融生态环境的现状(一)经济发展现状………………2(二)金融监管现状3(三)金融市场发展现状四、辽宁省金融生态环境中存在的问题…………4(一)信用体系建设中存在风险(二)法律制度不完善……5(三)金融监管机制不合理………6五、完普辽宁省金融生态环境的建议……(一)完善金融生态环境监控机制……6(二)优化金融生态信用环境……7(三)为金融生态环境提供法律保障…8(四)改革行政管理体制，优化政府职能…8(五)加速金融创新，降低交易成本(六)引进优秀人才，实现人才资源共享…9六、结论…10参考文献…1Ⅲ一、引言良好的金融生态环境，对于地区经济和金融的发展至关重要。近年来，各国研究人员不断探索，已经获得了一定的研究成果。在关于金融生态学的概念、意义、体系构建、研究对象和相关因素，以及金融法律制度等方面进行了较为深入的探讨，但对于货币与信用的关系这一核心问题，尚未取得普遍意义的共识。现如今，金融生态环境问题备受关注。学术界普遍在此领域存在争议，通过对该领域问题的不断讨论与分析，可以对金融领域的一些现实问题做出解释，因而吸引着越来越多的学者对其进行思考和研究。国内外金融发展的实践证明，金融生态的好坏直接关系到贷款风险的大小和新增不良贷款的比例，金融生态环境对于金融业