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建筑业是资金密集型产业,建筑企业的自有资金量和融资能力,在很大程度上决定着企业业务拓展水平和盈利能力。当前,由于IPO暂停,国家对房地产市场实施严厉的宏观调控以及信贷紧缩政策,致使建筑企业对资金的渴求更加迫切,因此,探求银行贷款之外的融资渠道,对建筑企业调结构、增效益至关重要。企业设立小额贷款公司的必要性拓展企业产业链。如果对小额贷款公司实行规范化的商业化运作,建筑企业可通过几年时间将其改造成村镇银行或区域性商业银行。因此,建筑企业设立小额贷款公司可作为
Construction industry is a capital-intensive industry, construction companies own funds and financing capacity, to a large extent determines the level of business development and profitability. At present, due to the suspension of IPO, the state has implemented stringent macro-control over the real estate market and the credit crunch policy, which has made the construction enterprises’ desire for funds even more urgent. Therefore, exploring financing channels other than bank loans has made it very important for construction enterprises to adjust their structure and increase profitability Important. The necessity for enterprises to set up small loan companies should be expanded. If the micro-credit companies to implement standardized commercial operation, construction companies can be transformed into a few years into a village bank or regional commercial banks. Therefore, the construction enterprises to set up a small loan company as