The Research On Regulation Problems Of China's Civil Finance

Civil finance are the inner needs to development of the private economy. Endogenous 30 years of China's reform and opening up, from a planned economy to a market economy in the process, the state ownership economicalprogressing by leaps and bounds is our country economic reform in huge window. Because financial repression, ownership discrimination and credit rationing and so on various aspects causes the state ownership economy development lack of sufficient capital support, but its growth remained strong. Investigate its reason, on the one hand, is its operation efficiency high, the other is the civil finance as powerful complement official financial for small and medium-sized private enterprises provided money power, become the official financial system of subprime alternative institutional arrangements.Nonetheless, the civil financial also has strong dispersion and concealment, if not targeted regulatory measures, civil finance will disrupt the financial market order, bringing society adverse impact. At present, our country is still no comprehensive and professional legal, also do not have a system of regulatory system, causing financial market turmoil complex, civil coral-like malpractice. For its hidden dangers and potential risks, government often give the civil finance "a bonzi killed", this can also cause certain degree of adverse impact on China's financial system and economic development.Therefore, the civil financial need the "rectification of names", on this basis we should give its reasonable development space, should be included in the national financial regulatory system in our country folk, the financial supervision specific problems, and according to local conditions, formulate relevant regulatory measures, make civil finance can raise its long, avoid the shorter, so as to promote the healthy development of China's economic long-term.