摘 要
金融科技作为融合金融与信息技术的创新领域，正深刻改变着传统金融业态，尤其在中小企业融资领域展现出巨大潜力。金融科技通过运用人工智能、区块链技术及云计算等核心技术，为中小企业提供了多元化的融资渠道、精准的信用评估与风险管理手段，以及便捷的融资流程与体验，极大地缓解了中小企业融资难题。在发展历程中，金融科技经历了从初步探索到广泛应用的飞跃，其核心技术的不断进步为中小企业融资提供了强有力的技术支撑。人工智能的应用使得信用评估更加智能化、个性化，区块链技术则增强了融资过程的透明度和安全性，而云计算则通过高效的数据处理与分析能力，为中小企业提供了更加灵活、低成本的IT解决方案。然而，金融科技在中小企业融资中也面临诸多挑战，如信息不对称与数据获取难题、定价困难、融资渠道受限及融资成本高等。为有效应对这些挑战，需加强信息与数据共享机制，提升企业信息化水平，深度挖掘数据价值；同时，引入第三方评估机构以提升信用评估的公信力，并积极探索拓宽融资渠道、优化融资结构的新路径，以进一步降低中小企业融资门槛，促进其健康发展。
关键词：金融科技；企业融资；应用研究
Abstract
Financial technology, as an innovative field that integrates finance and information technology, is profoundly changing traditional financial formats, especially in the field of financing for small and medium-sized enterprises, demonstrating enormous potential. Financial technology provides diversified financing channels, precise credit assessment and risk management methods, as well as convenient financing processes and experiences for small and medium-sized enterprises by utilizing core technologies such as artificial intelligence, blockchain technology, and cloud computing, greatly alleviating their financing difficulties. In the development process, financial technology has undergone a leap from initial exploration to widespread application, and the continuous progress of its core technology has provided strong technical support for financing of small and medium-sized enterprises. The application of artificial intelligence makes credit evaluation more intelligent and personalized, blockchain technology enhances the transparency and security of the financing process, and cloud computing provides more flexible and low-cost IT solutions for small and medium-sized enterprises through efficient data processing and analysis capabilities. However, fintech also faces many challenges in financing for small and medium-sized enterprises, such as information asymmetry and data acquisition difficulties, pricing difficulties, limited financing channels, and high financing costs. To effectively address these challenges, it is necessary to strengthen the mechanism of information and data sharing, improve the level of enterprise informatization, and deeply explore the value of data; At the same time, introducing third-party evaluation institutions to enhance the credibility of credit evaluation, and actively exploring new paths to broaden financing channels and optimize financing structures, in order to further reduce the financing threshold for small and medium-sized enterprises and promote their healthy development.
Keywords: financial technology; Corporate financing; application research
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的及内容 1
1.3 国内外研究现状 2
第2章 金融科技概述 3
2.1 金融科技的定义 3
2.2 金融科技的发展历程 3
2.3 金融科技的核心技术 4
2.3.1 人工智能 4
2.3.2 区块链技术 4
2.3.3 云计算 5
第3章 金融科技在中小企业融资中的应用 6
3.1 多元化的融资渠道 6
3.2 精准的信用评估与风险管理 6
3.3 便捷的融资流程与体验 6
3.4 综合金融服务与支持 7
第4章 金融科技在中小企业融资中面临的挑战 8
4.1 信息不对称与数据获取难题 8
4.1.1 信息不对称 8
4.1.2 数据获取困难 8
4.2 定价困难 9
4.3 融资渠道受限 9
4.4 融资成本高 9
第5章 金融科技在中小企业融资中的应对策略 10
5.1 加强信息与数据共享 10
5.1.1 提升企业信息化水平 10
5.1.2 深度挖掘数据 10
5.2 引入第三方评估机构 11
5.3 拓宽融资渠道 11
5.4 优化融资结构 11
结 论 13
参考文献 14
