A Study on the Impact of Financial Technology on Medium, Small and Micro Enterprises in China

Abstract

This paper focuses on the impact of FinTech on Medium, Small and Micro Enterprises (MSMEs) in China, firstly exploring the application and development of FinTech in China’s credit services for MSMEs, and then focusing on inclusive MSME lending by Chinese banking financial institutions from 2015 to 2021. The paper then analyses the development status and background of BTI. In order to solve the problem of difficult and expensive financing for enterprises, the paper analyzes and summarizes two feasible integration and innovation models: “blockchain + BTI” and “digital economy + BTI”. Finally, by studying the relationship between blockchain technology, cryptocurrency and cross-border payment industry and enterprise operation, the working principle of blockchain technology to enhance the efficiency of cross-border payment is analysed and mapped out based on relevant literature and data.

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