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동북아경상연구 Vol.4 No. 2.jpg
학술저널

Analysis and Countermeasures to Alleviate the Financing Constraints of Small and Medium-Sized Enterprises

Analysis and Countermeasures to Alleviate the Financing Constraints of Small and Medium-Sized Enterprises

Purpose - Small and medium-sized enterprises are an important component of China’s national economy, but their financing channels are constrained by many factors. With the rapid development of financial technology, they have shown enormous potential in the field of financing for small and medium-sized enterprises. This study aims to analyze how fintech can alleviate financing constraints faced by small and medium-sized enterprises, and propose corresponding countermeasures. Through analysis and research, it has been found that financial technology has effectively expanded the financing channels of small and medium-sized enterprises by improving the accessibility of financial services, reducing transaction costs, and improving risk management capabilities. However, technical risks, regulatory uncertainty, and the financial transparency of the enterprise itself remain the main factors that constrain its development. To this end, constructive countermeasures and suggestions are proposed Design/Methodology/Approach - Based on the technical basis of fintech, this paper studies the problem of fintech alleviating the financing constraints of small and medium-sized enterprises. Findings - This paper studies mainly analyzes the mechanism of fintech alleviating financing constraints. Research Implications - Suggest strengthening the construction of financial technology regulatory framework, improving the internal financial management level of small and medium-sized enterprises, and promoting the coordinated development of financial technology and traditional financial institutions, in order to further release the positive role of financial technology in alleviating financing constraints for small and medium-sized enterprises.

Ⅰ. Introduction

Ⅱ. Minor Enterprises and Financing Constraints of Small and Medium-Sized Enterprises

Ⅲ. The Rapid development and Main Role of Fintech

Ⅳ. Analysis of Fintech to Ease Financing Constraints for Medium-Sized Enterprises

Ⅴ. Suggestions for Development of All Parties

Ⅵ. Conclusion

References

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