目录摘要：..........................................................................................................................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.......
