摘要：....................................................................................................................1一、民间金融概述.................................................................................................1（一）民间金融的含义...................................................................................1（二）民间金融的特点...................................................................................11.获取资金快.............................................................................................12.借贷条件低.............................................................................................23.使用效率高.............................................................................................2二、民间金融的风险和成因..................................................................................2（一）民间金融风险分析................................................................................21.自身风险................................................................................................22.外围风险................................................................................................23.抵御风险能力差.....................................................................................24.从业人员素质低.....................................................................................3（三）成因分析...............................................................................................3三、民间金融潜在危害及诱因...............................................................................3（一）民间金融的潜在危害............................................................................31.严重扰乱国家金融管理秩序..................................................................32.容易引发刑事案件和社会矛盾...............................................................4（二）潜在危害的诱因...................................................................................4...
