Abstract：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.

Keyword：rural enterprises;private contractual financing;financing risk;risk prevention;