The Financial Ecology Development Evaluation Research Of NY Bank In ZheJiang Province

With the development of economy and finance, old financial theories have provided unfoundamental explanation and unsustainable guidance for economic development. A new theory threats the financial system as a whole ecosystem, pay more attention on law, structures, government, cultural, moral and ethical factors have been proposed and carried out extensive discussions. This paper studied the relationship between commercial banks and financial ecological environment, and tried to define the concept of financial ecology of commercial banks, to find a more viable way that solve the financial problem from treating the banks and the financial ecological environment of a whole unity, use ecological principles and methods, strongly respect the financial ecosystem characteristics of effective allocation of resources, and by means of risk management to promote economic growth, but also to promote the harmony and order financial ecosystem.The goal of this article is to explore the way that the development of commercial banks can achieve internal and external coordination and response to the external environment affects. On the one hand, how to apply financial ecological research results better to business practices of commercial banks, and how to achieve financial development of the industry at the same time, to better promote the social and economic development. Thus the article tried to establish a quantitative index system and mathematical model. Using this mathematical model is used to seek for a viable way to improve the level of bank ecological, which also is the innovation of the article. The articles selected semi-annual statistics data of all institutional credit departments of a sub-branch of the NY Bank of Zhejiang Province. A fundamental empirical analysis had been used to describe the financial internal ecological and external ecological level and the problems of the NY-bank. And the article pointed out practicable and detailed suggestion and guidance of how to improve bank financial ecosystem from this five aspects:the customer base ecologization, marking system ecologization, risk management ecologization, product innovation ecologization, bank social responsibility ecologization.