Research On Financing Problems Of Small And Medium-sized Construction Enterprises In Sichuan

In recent years,China is in a critical period of reform,development and transformation.SMEs can effectively promote economic development,promote the implementation of the dual-invasive strategy,and play an important role in China’s structural reform.At the same time,the construction industry as a national pillar industry is related to the improvement of people’s living standards.The problem of financing difficulties for small and medium-sized construction enterprises has always existed.Xiaochu Company is a small and medium-sized construction company.How to effectively solve the financing problem has become an important factor affecting its survival and development.Therefore,this paper theoretically enriches the relevant research of small and medium-sized construction enterprises in the field of financing,and uses relevant theories to solve the financing problems of Xiaochu Company.This research mainly studies the financing problems of Sichuan small and medium-sized construction enterprises,and conducts case studies on the financing problems of Xiaochu Company.The article firstly studies the foreign and domestic literature review,uses the survey interview method to conduct a questionnaire survey of Sichuan small and medium-sized construction enterprises,and analyzes the financing situation of Xiaochu Company through the case study method.The study found that the financing problems of Sichuan small and medium-sized construction enterprises include single financing channels,high financing costs,difficult financing institutions,and poor mortgage guarantee capabilities.At the same time,this paper analyzes the operation status and financing situation of Xiaochu Company and finds that the company’s financing channels have narrow financing channels,small credit loans and high financing costs.The main reasons are that the management system needs to be strengthened,industry financing is restricted,and financing capacity needs to be improved.Finally,following the basic principles,Xiaochu’s multi-channel financing optimization solution using a combination of internal financing and externalfinancing was used to solve the current corporate financing problems.In order to ensure the implementation of multi-channel financing optimization programs,necessary measures include improving solvency and liquidity,strengthening talent reserve and construction,improving the company system,improving the financial management level of the company,and proposing that the government should guide the work and enrich the financing products of financial institutions.Suggestions for improving the financing environment.The multi-channel financing optimization program has enabled the small and medium-sized construction enterprises Xiaochu Company to solve the current financing problems,and also provides reference and reference for similar small and medium-sized construction enterprises to expand financing channels to alleviate financing problems.