The Research Of Civil Financial Status And Development In Shanghai

Nongovernmental financial area is very wide. This paper focuses on the financial activities of the civil society that is not effectively monitor in Shanghai. Under the low interest rate policy-driven enthusiasm for investing , contradictions between private rapid economic growth and the formal finance'Unwilling to lend, constraints on Financing time cost and financing short-term demand factors, Shanghai civil financial existence and development is a necessity. We rely on econometric and statistical sampling method which can be estimated roughly Shanghai's nongovernmental financial scale. Because of special socio-economic environment of Shanghai, Nongovernmental financial performance of the individual's characteristics.There are mainly civil financial short-term borrowing, Commissioned loans, non-formal financial activities that financial institutions set up and International project financing. In which short-term loans to people is the most representative. It is precisely, Large-scale, Efficient, professional, diversity and special form of financial intermediation. We focus on the operation of short-term borrowing– which is civil typical financial shape in Shanghai, its interest rates and the formation of elements.Finally, we analyzed civil current financial problems in Shanghai. We put forward some suggestions for the development of the civil finance. civil financing need Rationalized and legitimated and Will be incorporated into the formal. We should correctly deal with high interest rates and achieve a balanced risk-benefit. We should strengthen civil control to prevent illegal financial activities Physically and expand other formal investment channels.