Study on the Influence of Digital Finance Development on the Financing Environment of Small and Medium-sized Enterprises

Abstract

In recent years, China has carried out a lot of exploration and practice in solving the problems of financing difficulties and financing nobility of small, medium and micro enterprises, and has achieved fruitful results, but the financing of small, medium and micro enterprises is still facing a lot of difficult problems, such as lack of funds, narrow financing channels, high financing costs, high financing risks, low credit rating, lack of collateral and unstable financial policies, etc., and the development of digital finance has brought certain opportunities, this paper puts forward coping strategies by systematically analyzing the main problems faced by SME financing in the context of digital finance, combined with the impact on the financing environment of SMEs.