Gold is often occupied in the form of inventory (the completed buildings have not been sold or rented or the project funds have not been settled), and the reproduction or production process of construction enterprises needs a lot of money, and the production or production process needs a lot of money. However, the contractor prepays the project payment every six months, a quarter or a period of time according to the progress of the project. Therefore, the capital of the construction enterprise is relatively tight and the capital chain is relatively weak in a certain period of time, so loans are needed to make up for the weakness of the capital chain in order to maintain the sustainable operation of the enterprise.