The ability of financing and investment in agro-eco-environment protect ion and the optimized environment for financing and investment are important factors to resolve the problems of farmer, ag riculture and rural area, fulfill the scientific development , and build a harmonious society. The basic characteristics of the Ningxia＇s environment for financing and investment in agro-eco-environment protect ion are analyzed. T he main characteristics are that financial environment is preliminarily improved, but financial oppression is still prot ruding; economy develops quickly, but the degree of market is still low ; the development of agriculture relies on financial sustaining more and more, but the system of agricultural protection is not perfect. The main characteristics of the agro-ecoenvironment are that natural disasters occur frequently, and the agro-eco-environment gradually becomes drought ;land desertification is serious, and water resource is absent; agrochemicals increase gradually, and security of farm products is not good; nature reservation is prominent , but soil erosion is still serious. The research result shows that the unsustainable development of environment for financing and investment is hard to adapt to the objective requirements under the market economy conditions. Furthermore, the optimized mechanism framework of environment for financing and investment are discussed. It includes building a sustainable system for f inancing and investment, building a public-private partnership mechanism for f inancing and investment under market economy cond-itions. Building the sustainable compensat ing and prompt ing mechanism, streng thening and implementing the planning of agro-eco-environment protect ion, resolving the problems of the farmer, agriculture and rural area, and advancing. the healthy development of regional economy.