农村企业民间契约融资的风险与防范

The Risk of Rural Enterprise's Private Contractual Financing and Its Prevention

由于盈利的不确定性、信息非对称性、信用缺失性等因素造成了农村企业民间契约融资面临诸多风险。根据民间债务融资和民间股权融资模型分析,为了防范和降低民间契约融资的风险,农村企业应主要利用规范化的民间借贷进行融资。同时,政府应该积极创办契约性民间银行、改善融资环境并完善担保体系。

The rural enterprise＇s private contractual financing faces many risks due to its uncertainty of profit,information asymmetry,lack of credit and so forth. Based on the analysis of private debt financing and private equity financing model,rural enterprises should raise money mainly via standard private lending to prevent or reduce the potential risks. At the same time,the government should establish more private contractual banks and perfect the financing guarantee system.