現今政府平均一年之工程採購就可達五千多億，而投標廠商需繳交押標金，得標廠商仍需補足履約保證金與繳納工程保留款、完工後仍有保固保證金等，營造廠需要繳納許多種類的保證金於業主手中。而這將近一年公共工程採購額20%的資金積壓在業主手中，卻無法創造出社會價值，反而使得營造廠沒有動能，無法再繼續投標，形成一財務門檻，甚至造成許多營造廠的財務問題。本研究先探討現今中小型營造業再融資時所遭遇之困難與問題，統整了解後，藉由訪問銀行與中小企業信用保證基金等金融機構，了解金融機構是如何看待營造業與銀行核貸給營造廠商之考量因素為何。再者對營造業之融資問題與銀行授信予營造業之審核標準做一討論分析。最後提出銀行與信保基金核貸給營造廠之考量因素分析，並以銀行角度對營造業融資問題作一回應，期能供營造廠商在申貸時做準備，並提出相關配套建議予銀行、信保基金、營造業界，希望能讓中小型營造產業的資本動能夠全面發揮，淘汰劣質的營造廠商並提升優質中小型營造業之競爭優勢，使其發展不致受限。 Taiwan’s government on average spends more than five-hundred billion NT dollars on public-work per year. During the tender process, construction contractors have to pay considerable amount of security to the government. For example, the tenderers should deposit the bid bond and the winning tenderer has to make up a deficiency of performance bond and deposit construction retainage. After the completion of construction, the contractor has to deposit maintenance bond. The total amount of different kinds of bonds, which is about 20% of public-work procurement, is deposited in the government and cannot be utilized. Such great amount of money has caused financial problems to construction contractors, further undermining their intention to compete for pubic works and limiting their development. In the first part of this study, the financial problems of Small and Medium Enterprise (SME) construction contractors are addressed. In the second part, this work discusses the financial difficulties of SME construction contractors from financial institutions’ perspective, and analyzes their decision factors in examining construction sector’s financial standard. In the final part, this work will provide some suggestions for banks, Taiwan SMEG(Small and Medium Enterprise Credit Guarantee Fund of Taiwan),and the construction sector. The purpose of this study is to help SME construction sector develop more efficiently and increase the competitive advantages of well performed SME construction companies, so that the performance among SME contractors can be distinguished.