黄河流域资源型城市金融生态协同发展研究——来自延安市评价体系的实证证据

Synergic Development of Financial Ecology of Resources-based Cities in Yellow River Stream Based on a Case Study on Yan'an Evaluation System

摘要

为揭示黄河流域资源型城市金融生态发展的驱动机制与优化路径，基于延安市2015—2024年金融生态数据，从金融发展、经济基础、政府治理、社会信用4个系统出发，建立包含13个关键要素、33个基础指标的资源型城市金融生态评价指标体系，运用熵值法与变异系数法测算金融生态发展指数，利用耦合协调模型分析金融生态内部发展的协同效应，并结合因素关联法与地理探测器解构金融生态环境发展的内部驱动机制。结果表明：1）在研究期内，延安市金融生态环境呈现持续优化的良好态势，综合评价指数年均增长高达17.07%，金融发展水平、经济发展环境、政府治理环境与社会信用环境4个子系统均呈现改善趋势。2）总体耦合协调度由中度失调，经濒临失调与初级失调阶段，逐步发展至优质协调水平，金融生态环境“现状-潜力”耦合协调度的发展路径与总体耦合协调度相呼应。3）经济基础与社会信用是金融发展水平的核心驱动力，而政府治理更倾向于保障作用，其中经济规模、市场活力、居民收入与就业、实体经济基础、人力资本储备及信贷可获得性等维度下的相关指标为主要驱动要素。研究认为，应巩固金融发展水平的内核功能，强化经济基础与社会信用的核心驱动效能，增强金融生态环境的协同机制，以此促进黄河流域资源型城市金融生态环境向好发展。

Abstract

In order to reveal the driving mechanism and optimized path of financial ecology of resources-based cities in Yellow River stream, this paper uses Yan'an 2015 to 2024 financial ecology data to establish a financial ecology evaluation system of resources-based cities composed of 13 key factors and 33 general indexes based on financial development, economic basis, governmental harness and social credit, and applies entropy and variation coefficient to estimate financial ecology development index, and applies coupling coordination model to analyze its internal synergy and to explore the internal driving mechanism of financial ecological environment combined with factor correlation and geographic detector. Yan'an financial ecological environment shows a continuously improving trend with comprehensive evaluation index at an annual rising rate up to 17.07%, and with improving financial development level, economic environment, governmental harness environment and social credit environment. The overall coupling coordination shifted from moderate disordered, near disordered, initial disordered and finally to premium coordinated, which is responded by “current status-potential” coupling coordination of financial eco-environment. Economic basis and social credit are the key drivers for financial development level, but governmental harness trends to be of guaranteeing role, of which economic scales, marketing energy, residents' income and employment, physical economic basis, human capital reserve and credit accessibility are the major drives. This paper presents suggestions on enhancing its inner core functions of financial development, boosting the key driving functions of economic basis and social credit, and increasing the synergy of financial eco-environment, which can promote financial eco-environment of resources-based cities in Yellow River stream.

关键词

金融生态 / 黄河流域 / 资源型城市 / 协同发展 / 延安市

Key words

financial ecology / Yellow River stream / resources-based cities / synergy / Yan'an city

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基金资助

溢彩焕然乡村发展计划项目(中乡基项综合字[2024]40号)

延安市科学技术局研究项目(2023SLSFGG.125)

延安大学“揭榜挂帅”项目(2023JBSK.006)

延安大学研究生科研创新计划项目(YKY2025057)