When Kaixuan Rubber Company encounters difficulties in bank financing, it needs to change its thinking and adopt the corresponding direct financing method to solve the problem. In the modern enterprise system, the reform of the enterprise's shareholding system and the optimization of the stock ownership structure are the basis for the improvement of the corporate governance structure, which can directly affect the operating benefits of the company. As a family-owned private enterprise, there is a certain kinship relationship among the three shareholders of Kaixuan Rubber, which may result in a series of drawbacks such as single ownership structure, stagnant share circulation and low operating efficiency of the board of directors, which will directly affect the enthusiasm of enterprise managers and lead to low operating efficiency. The shareholding reform of Kaixuan Rubber can stimulate the subjective initiative of enterprise operators to a certain extent. In order to better finance, capital can be absorbed to buy the shares of the company, so as to improve the circulation degree of the shares of the company and increase the internal activity of the enterprise.