Recearch On The Evolution Of Financial Ecological Ecosystem

The modern market economy is a financial economy based on high monetization and credit,and finance has become the core and hub of modern economic operations.In the context of the rapid development of the domestic economy from high-speed development to high-quality development,how to explore the general law of financial development,how to solve many problems in China's financial industry,and how to prevent the occurrence of systemic risks are important issues facing the current economic development.The introduction of the concept of financial ecology has opened up a new perspective for scholars to break through the limitations of traditional understanding,and to think about and solve financial development problems with a holistic view of the system,so as to more comprehensively grasp the objective laws of financial development.Along with China's economy into the "new normal",China's financial industry has made great progress,so far basically established a relatively complete financial system,effective support for economic growth.In order to explore the general law of the evolution of financial ecosystem,the author attempts to use the financial ecosystem as the research object,and uses evolutionary economics theory and system dynamics theory to explore the evolution mechanism and dynamic operation mechanism of financial ecosystem,and combines the actual situation of financial ecology in Jilin Province to conduct case analysis,and finally proposes policy recommendations.First,the author reviews the research status of the ecosystem of financial theory,the concept of financial ecosystem,namely financial ecosystem is defined by the financial body(including financial transaction entities and financial institutions)and the components of the environment,ecology bodies within the financial system In order to survive and develop,the long-term mutual division of labor and cooperation between the living environment and its internal environment has evolved into a unified structure with certain structural features and automatic adjustment.The financial ecosystem consists of three parts: the financial ecological subject,the financial ecological environment and the financial ecological regulation.At the same time,the author attempts to construct its theoretical framework and use the relevant theories of organizational ecology,finance and evolutionary economics to explain the boundaries,structure and functions of the financial ecosystem.The author believes that the financial ecosystem includes not only the relationship between the individual and the environment,but also the internal relationship between the individual and individual,the individual and the environment,the environment and the environment,and the interdependence and mutual restraint of each financial factor.It is not a mechanical materialistic worldview and methodology to understand regional financial ecosystems.Secondly,based on the above theoretical framework,the author first explains the basic logic of the financial ecosystem.In the aspect of exploring the self-organization evolution characteristics of financial ecosystem,the author believes that the self-organization evolution of financial ecosystem requires certain preconditions,that is,the open system fully exchanges resources and information with the outside world;the system is in a non-equilibrium state;nonlinear interactions within the system and the presence of fluctuations.At the same time,the financial ecological subject will encounter the influence factors outside the system and within the system.These fluctuation factors superimposed together to induce the self-organization evolution,and its evolution path includes the gradual and mutation realization.Furthermore,the author analyzes the enterprise innovation process based on microscopic perspective.This innovation is copied and preserved by successful practices,and finally forms self-organization evolution.Based on a macro perspective,the author believes that technological innovation and institutional change is endogenous dynamic evolution of the financial ecosystem,both with each other and promote coordination,to jointly promote the evolution of the financial ecosystem.According to the logical progressive relationship of this paper,based on the research on the general mechanism of the evolution of financial ecosystem,the evolutionary dynamics and operational mechanism are further explored.This paper believes that the financial ecosystem is mainly composed of the financial ecological subject subsystem,the financial ecological environment subsystem,and the financial ecological regulation subsystem.The evolution process is the result of the joint development of many factors under the joint action of three subsystems.At the same time,using the system dynamics method to construct the system causality feedback loop,the causal relationship loop of the evolutionary dynamics of the financial ecosystem is divided into two parts: internal power and external power.Among them,internal motivation mainly comes from financial ecological subject behavior and market force(system regulation or resource allocation),and external motivation mainly comes from many aspects,such as financial supervision to prevent financial ecosystem risks,government governance,economic development,fiscal policy and The macroeconomic regulation and control of monetary policy instruments and the hindrance of financial risk factors.Finally,the system dynamic model of the evolution of the financial ecosystem is constructed.Thirdly,the author verifies the general law of the evolution of financial ecosystems in the form of case analysis.Jilin Province was selected for case analysis,and the financial ecosystem of Jilin Province was divided into the germination stage,the initial formation stage and the growth stage according to the institutional changes.The constraints that affect the evolution of the financial ecosystem in Jilin Province include government governance factors,economic fundamentals,financial development factors and institutional cultural factors,and analyze the current problems in detail.Combined with the analysis logic of this paper,the simulation results are based on the system dynamics model during case analysis.This paper argues that the dynamic characteristics of the evolution of the financial ecosystem in Jilin Province are different in the historical stage,the initial stage of formation and the stage of growth.In the burgeoning period of history,the dynamic characteristics of the financial ecological evolution of Jilin Province are mainly manifested by the fact that the external environment has a far greater influence on the financial ecosystem than the endogenous dynamics of the financial ecosystem,which is reflected in the instability of the financial ecosystem and is likely to trigger systemic financial risks.In the initial stage of formation,the financial ecosystem of Jilin Province had the premise of self-organization evolution in the early stage,but lacked sufficient system internal motivation,which made Jilin financial ecosystem in the initial stage of self-organization evolution.In the growth stage,the innovation and institutional changes of financial institutions in Jilin Province have provided the driving force for the evolution of the financial ecosystem.At the same time,the evolutionary trend of financial ecosystems in Jilin Province is mainly reflected in several aspects: first,the diversified development of financial ecological subjects;second,the gradual improvement of financial ecosystem system construction;and third,the innovative development of financial ecosystem evolution.Finally,the author puts forward the financial ecosystem related optimization policy recommendations: First,improve the financial ecosystem evolution soft environment construction.Create a financial and ecological cultural environment,complete the transition from traditional financial concept to modern financial concept;cultivate modern credit culture,strengthen credit system construction;accelerate the development of financial intermediaries and improve the level of financial services;second,strengthen the construction of financial ecosystem evolution system.Strengthen the government's leading function in the construction of financial ecological environment,accelerate the construction of basic economy,improve the regional economic level;strengthen the construction of the rule of law environment,improve the financial system;Third,improve the policy arrangements for the innovation mechanism of the financial ecosystem.Improve financial mechanism reform,optimize financial ecological structure;cultivate diversified financial ecological subjects and promote diversification of financial markets.