The Impact of FinTech on the Financing Capacity of Small and Micro Enterprises

DOI

10.2991/978-94-6239-642-5_93How to use a DOI?

Keywords

FinTech; Small and Micro Enterprises; Financing Capacity

Abstract

With the rapid growth of China’s economy, the contradiction between the high participation of small and micro enterprises (SMEs) and the low level of financial support they receive has become increasingly prominent. Although the government has introduced numerous policies to encourage financial institutions to support the development of SMEs, the results have been limited. However, with the rapid advancement of financial technology (FinTech), the integration of finance and technology has helped alleviate the financing difficulties faced by SMEs and promote their sustainable growth. FinTech has now become a powerful driving force for reform and innovation in the financial sector, significantly enhancing the service capacity of financial markets. To better understand how FinTech influences the financing capabilities of SMEs—and, in turn, to more effectively analyze the contribution and participation of SMEs within the financial sector—this study examines the current development of SMEs in China, the evolution of China’s FinTech industry, and the impact of FinTech on SME development.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Jiabao Liu
PY  - 2026
DA  - 2026/04/29
TI  - The Impact of FinTech on the Financing Capacity of Small and Micro Enterprises
BT  - Proceedings of the 2026 11th International Conference on Financial Innovation and Economic Development (ICFIED 2026)
PB  - Atlantis Press
SP  - 893
EP  - 901
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-642-5_93
DO  - 10.2991/978-94-6239-642-5_93
ID  - Liu2026
ER  -