Research On Small And Medium-sized Construction Enterprises Credit Risk Warning

As a pillar industry of economic development,the construction industry plays an vital role in the national economy.Economic downturn and tightening of real estate policies have made competition in the construction market increasingly fierce.Due to information asymmetry and limited organization,however,the credit in the construction market is lacking,especially small and medium-sized construction enterprises broke out the credit risk.The credit risk problem severely restricts the development of the enterprise itself,increased trading risk between stakeholders such as government,suppliers,banks,etc.Establishing a sound early warning system for construction enterprise credit risk has become an important research goal.This paper takes small and medium-sized construction enterprises as the research subject and conducts research on credit risk assessment.Firstly,it discusses the construction principles and methods of credit risk index system,accurately selects the corresponding indicators,and completes the construction of credit risk early warning to complete the model for small and medium-sized construction enterprises.Secondly,the triangular fuzzy number method is used to weight the early warning indicators,and the fuzzy comprehensive evaluation method is used to complete the construction of the evaluation mode.Finally,the actual and reliable cases are selected for evaluation.The analysis results verify the realization path of credit risk early warning for small and medium-sized construction enterprises and the necessity of carrying out credit risk warning,and put forward constructive opinions on credit risk prevention and resolution according to the early warning situation.In this paper,the early warning research on credit risk is beneficial to solve the credit risk management problem of small and medium-sized construction enterprises,help them to rationally build credit system,avoid risks and achieve healthy and sustainable development of enterprises.On the other hand,It can help governments,suppliers,banks and other stakeholders to effectively control the credit risk of small and medium-sized construction enterprises,provide corresponding decision-making reference for investment cooperation,and contribute to the construction of socialist market economy and credit economy.