Research On The Effect Of Regional Financial Ecological Environment To Household Debt Scale Variation

“The financial ecology” is derived from the concept of ecological bionic.Many scholars found that the regional financial ecological environment have a close interaction with the various economic entities.A good financial environment can promote the healthy and comprehensive development of the financial industry and improve the efficiency and efficiency of financial operation.With the Asian financial crisis and the outbreak of the US subprime mortgage crisis,the family debt problem has become a key concern in the field of debt economics research.This paper have a depth study of the dynamic behavior of the development of household borrowing.Particularly,the problems about the financial ecological environment and family lending practices,etc.Our analysis Will help the government to improve the quality of Regional Financial Ecological Environment more effectively.In order to promote household borrowing scale have a healthy growing.Therefore,this article from the perspective of a new regional financial ecological environment,Therefore,this article have the perspective of a new regional financial ecological environment,Examine its impact on the scale of household borrowing has important theoretical and practical significance.Based on the theory of financial ecological environment and the theory of family borrowing,this paper investigates the influence of the regional financial ecological environment on the scale of household debt by using literature research,theoretical and empirical analysis and analytic hierarchy process.This paper constructs the index system of regional financial and ecological environment by qualitative and quantitative analysis,and establishes the weight of each criterion layer,Then,according to the financial ecological environment and the trend of family debt scale,the regional distribution and convergence and divergence analysis are carried out.Based on the relevant statistical data of 30 provincial-level regions from 2006 to 2013,the dynamic panel model is constructed and the GMM estimation method is used This paper examines the impact of the regional financial and ecological environment on the scale of household debt,and analyzes the corresponding mechanism of its impact.The results showed that:(1)the financial ecological environment has a significant positive impact on household lending practices.(2)a better financial environment area(Ⅰand Ⅱ zone area)of the financial ecological environment impact on householdborrowing scale financial environment than poorer regions(Ⅲ region).(3)financial ecological environment evaluation system of each criterion variable layer have the different effects on household borrowing scale,and the extent of the difference between regions is obvious.This paper examines the impact of the various levels of the internal standard on the scale of household debt and its internal mechanism from the perspective of the regional financial and ecological environment.It is the research and development of the existing research.Provides theoretical support,has a more important academic value.This paper puts forward the corresponding policy suggestions to the financial institutions,the government and the family departments in order to promote the healthy and long-term development of the regional financial ecological environment,which can be used for the development of regional financial ecological environment and the problems existing in the management of family debt.The subject of the debt problem to provide some reference.