Research On Financial Risk Control Of Real Estate Enterprises Under High Debt Ratio

In recent years,with the rapid development of the real estate market and the continuous rise in prices,more and more capital has entered this field,leading to an increasingly serious problem of over-financialization.At the same time,the misallocation of financial resources has become increasingly apparent,which has posed a potential risk to the normal development of our country’s economy and financial system.To curb the blind development of the real estate industry and achieve "de-bubbling," the country has issued a series of new policies,including the "three lines and four levels" new regulations and the concentration of housing credit.These policies have significant practical value in promoting the stable development of major cities in China,ensuring the stable development of our country’s economy,and preventing systemic financial crises.Against this background,this paper selects A company,a leading company in China’s real estate industry,as the empirical analysis object and conducts an empirical analysis of it.A company is an orange company in the "three lines and four levels" project.Starting from A company’s basic financial situation in recent years,this paper compares A company’s basic financial situation in recent years and believes that A company’s current debt scale is large,operating profit is low,cash flow is tight,and the use of financial leverage is not scientific.This paper analyzes the financial leverage effect of Meiho Housing from three aspects: financial leverage ratio,pre-tax profit margin,and pre-tax profit growth rate.All three comparison methods indicate that the positive effect of Meiho Housing’s financial leverage is being suppressed.Therefore,Meiho Housing has some problems,such as increased debt repayment pressure,decreased asset profitability,and increased refinancing pressure,which increase the company’s financial risk.In response to the severe financial crisis currently facing A company,the article analyzes the reasons for its occurrence in connection with the inappropriate use of financial instruments.Currently,many companies in China,especially real estate companies,will have various financial problems.Therefore,the article proposes corresponding solutions to each problem,including improving the company’s internal control,strengthening financial risk awareness,expanding financing channels,optimizing financing structure,improving internal control,enhancing financing management,strengthening fund management,and improving fund management.Therefore,the company should develop externally in a timely manner to guard against policy risks,predict industry development reasonably,reduce industry risks,enhance comprehensive strength,and take control measures to reduce competition risks.