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- ISSN: 2010-0248 (Print)
- Abbreviated Title: Int. J. Innov. Manag. Technol.
- Frequency: Quarterly
- DOI: 10.18178/IJIMT
- Editor-in-Chief: Prof. Jin Wang
- Managing Editor: Ms. Nancy Y. Liu
- Abstracting/ Indexing: Google Scholar, CNKI, Ulrich's Periodicals Directory, Crossref, Electronic Journals Library.
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- Article Processing Charge: 500 USD
doi: 10.18178/ijimt.2022.13.3.925
The Improvement of Fintechs on the Financing Constrains of SMEs
Abstract—Small and Medium-sized enterprises play a vital
role in economic and social development. However, due to the
influence of traditional financial development, funding from
banks has always been the bottleneck for growth. As a common
product of the financial industry and the technology industry,
Fintechs through continuous innovation and development, the
improvement of the financing channel of SMEs, developing
Fintechs has become an effective way to solve this dilemma.
However, there are some disadvantages of the research on the
behavior of SMEs. Basically, this essay attempts to provide
relevant empirical basis and theoretical support for financial
institutions and SMEs to make more scientific decisions, which
has some theoretical and practical significance. The definition
of the core concepts related to financing constraints and the
development of Fintechs on the basis of combing relevant
domestic and foreign literature. Then analyze the theories
related to financing constraints and the development of
Fintechs, and put forward the hypothesis of the relationship
between the development of Fintechs and financing constraints
with the support of relevant theories.
Index Terms—The development of Fintechs, financing
constraints, ACW model.
Yue Wu is with the University of New South Wales, Australia (e-mail:
499589474@qq.com).
Cite: Yue Wu, "The Improvement of Fintechs on the Financing Constrains of SMEs," International Journal of Innovation, Management and Technology vol. 13, no. 3, pp. 80-83, 2022.
Copyright © 2022 by the authors. This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited (CC BY 4.0).