The Research Of Bank Resources Deployment Based On The Financial Ecological Environment And Risk Level

After the banking reform in the1980s, China’s financial system constantly improves. Huge financial market and international financial environment make China facing the impact of changes in the internal and external environment. Therefore, China must strengthen financial risk control ability and seek itself own long-term development based on the guarantee to be able to effectively respond to changes in the international environment. This requires that our financial system must ensure risks can be controlled and improve efficiency in order to ensure the continuous development of China’s financial system. As a core sector in China’s financial system, risk and resource allocation changes of bank directly affect the normal operation of the whole financial system, and therefore the study of China’s banking is essential.First, this paper reviews the theory research progress and achievement about the financial ecological environment, risk management and resource allocation. Second, this paper analyzes sources of bank risk, the elements of the resources allocation as well as measure index of the regional financial ecological environment on the basis of sorting out related concepts and theory to the financial ecological environment, risk management and resource allocation. Then specific indicators to measure the level of bank risk and resource allocation status are initially identified. Last, using annual data from2006to2011of16Chinese A-share listed banks to build an empirical mode, this paper analyzes the impact of the financial ecological environment and the level of risk to bank resource allocation. This study provides empirical reference for bank managers and regulatory authorities.The results of this study show the negative correlation is significant between the credit risk and bank resource allocation. It is found that the degree of the negative correlation is different between the credit risk and banks resource allocation by packet regression sample according to the different level of credit risk. However, the moderate liquidity risk can optimize the bank resource allocation. The positive correlation and the negative correlation both will appear depending on the size of the liquidity risk. This paper further studies the degree of influence of the level of risk to bank resource allocation under different financial ecological environment. Financial ecological environment as a dummy variable, the article analyzes the impact of the varying degrees of risk level to bank resource allocation, respectively considering the case of good financial ecological environment and poor financial ecological environment. The results demonstrate the impact of the risk level on the resource allocation is regulated by the financial ecological environment.