• 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.
    • E-mail: ijimt@ejournal.net
HOME > Archive > 2022 > Volume 13 Number 3 (Aug. 2022) >
IJIMT 2022 Vol.13(3): 80-83 ISSN: 2010-0248
doi: 10.18178/ijimt.2022.13.3.925

The Improvement of Fintechs on the Financing Constrains of SMEs

Yue Wu

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).

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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).

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