上海民间金融现状和发展研究.pdfVIP

TH E R ESE A R C H O F C IV IL FIN A N C IA L STA TU S A N D D E V E LO PM EN T IN SH A N G H A I ABSTRA CT N ongovernm ental financial area is very w ide. This paper focuses on the financial activities of the civil society that is not effectively m onitor in Shanghai. U nder the low interest rate policy-driven enthusiasm for investing , contradictions betw een private rapid econom ic grow th and the form al finance’ Unw illing to lend, constraints on Financing tim e cost and financing short-term dem and factors, Shanghai civil financial existence and developm ent is a necessity. W e rely on econom etric and statistical sam pling m ethod w hich can be estim ated roughly Shanghai’s nongovernm ental financial scale. B ecause of special socio-econom ic environm ent of Shanghai, N ongovernm ental financial perform ance of the individuals characteristics. There are m ainly civil financial short-term borrow ing, Com m issioned loans, non-form al financial activities that financial institutions set up and International project financing. In w hich short-term loans to people is the m ost representative. It is precisely, Large-scale, Efficient, professional, diversity and special form of financial interm ediation. W e focus on the operation of short-term borrow ing – w hich is civil typical financial shape in Shanghai, its interest rates and the form ation of elem ents. Finally, w e analyzed civil current financial problem s in Shanghai. W e put forw ard som e suggestions for the developm ent of the civil finance. civil financing need Rationalized and legitim ated and W ill be incorporated into the form al. W e should correctly deal w ith high interest rates and achieve a balanced risk-benefit. W e should strengthen civil control to prevent illegal financial act