Keywords
Small and medium-sized enterprises
Technological innovation
Digital finance
Risk supervision
Submitted : 2025-08-13
Accepted : 2025-08-28
Published : 2025-09-12
Abstract
In the context of the digital economy, digital finance is becoming an important tool and service model to support the technological innovation of small and medium-sized enterprises. However, insufficient awareness among managers, an imperfect service system, limited supply capacity, and a weak risk prevention and control mechanism have restricted its support effect. To give better play to the role of digital finance, it is necessary to accelerate the construction of a service platform connecting digital finance and technological innovation, promote inclusive development, improve the service system, and strengthen risk supervision. By optimizing resource allocation, enhancing the accuracy and security of services, it can provide strong support for the technological innovation and digital transformation of small and medium-sized enterprises and promote the high-quality development of digital finance.
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