Research On Financing Problem Of Small And Medium-sized Construction Enterprises

Financing of Small and medium-sized enterprises (SMEs) has been a major problem plagued China’s overall enterprise reform and enterprise development. How a variety of ways to broaden the financing channels for SMEs, to ease the financing difficulties of SMEs. Become influence SMEs efficiency and innovation to develop one of the most important factors. Small and medium-sized construction enterprises are SMEs important part of and other SMEs are facing the same difficulties. Study the problem of financing of small and medium-sized construction enterprises. Not only to promote the enterprise reform and development have important significance, and to our country overall economic growth and development has a direct influence, and to our country overall economic growth and development has a direct influence.Small and medium-sized construction enterprises in construction industry is the foundation of development, China’s urban and rural construction plays an important role in.In today’s China’s rapid economic development, small and medium-sized construction enterprises face many development bottlenecks, Especially with the BT, BOT, PPP management pattern in construction market gradually extended, And the long-standing competition in the construction market incentives, market management system behind such factors, Small and medium construction enterprises in the development process is difficult. The predicament of financing of small and medium-sized construction enterprises is the biggest obstacle in the process of development. The financing of SMEs has been in the domestic and foreign scholars research content, At present, our country in construction enterprises’ financing problem research had already begun, But for the construction enterprise financing problem research is the lack of a comprehensive, In this paper briefly summarizes the predecessor to the domestic and foreign small and medium enterprise financing problem research based on. From the small and medium-sized construction enterprises, financial institutions, national policy, these three aspects to study the problem of financing of small and medium-sized construction enterprises and put forward some opinions and suggestions. The paper mainly studies the following points:(1) Definition of small and medium-sized construction enterprises and feature description, Elaborate In this paper the financing theory, And a brief summary of our scholars in the construction of enterprise financing problem research.(2) By construction enterprise development present situation as well as the common financing means, Specific instructions of small and medium-sized construction enterprises Financing status, And analyze the reason of financing predicament. Such as China’s construction enterprises are poorly managed, Commercial credit deficiency and Limited construction capacity. The state-owned commercial bank loan threshold high, big difficulty and Financial services institutions develop slowly. The state lack of supervision of construction market, Guarantee system is not perfect and so on. Make medium and small construction enterprises’financing is very difficult.(3) Finally, from their own perspective on small and medium-sized construction enterprises should strengthen management of construction enterprises, Develop new financing channels, Strengthen the construction of commercial credit ideas and methods. From the state-owned commercial banks and financial institutions angle put forward to change the product structure, Strengthening the construction of small and medium-sized financial institutions and regulate the private lending system methods and recommendations. From national policy put forward to strengthen the construction of credit guarantee system, The use of government projects to support small and medium-sized construction enterprises and correctly guide the construction market comments and suggestions.The thesis is to the healthy development of small and medium-sized construction enterprises, In order to solve the financing put forward the comprehensive some comments and suggestions, Innovation lies in multiple dimensions are described.