The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk

Yating Chen

doi:10.47297/wspceWSP2516-251903.20250902

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The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk

9卷第2期

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The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk
The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk
Faculty of International Educational Cooperation, Tianjin University of Commerce, Huludao, Liaoning, 125000, China
2025年9卷第2期页码：17-21
纸质出版日期：2025-04-28
DOI：10.47297/wspceWSP2516-251903.20250902
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(2025). The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk. 创意经济（英文版）, 9(2), 17-21.

Chen Yating.The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk[J].Creative Economy,2025,09(02):17-21.
(2025). The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk. 创意经济（英文版）, 9(2), 17-21. DOI： 10.47297/wspceWSP2516-251903.20250902.

Chen Yating.The impact of fintech on the financing of small and micro enterprises--Based on the perspective of financial transparency and audit risk[J].Creative Economy,2025,09(02):17-21. DOI： 10.47297/wspceWSP2516-251903.20250902.

摘要

Abstract

This paper explores the impact of fintech in the financing of small and micro enterprises

especially from the perspective of financial transparency and audit risk. Research shows that fintech improves the financial transparency of small and micro enterprises through big data

artificial intelligence and other technical means

reduces audit risks

and thus improves the financing environment. However

fintech also brings new challenges

such as information security and regulatory issues. Through theoretical analysis

this paper puts forward corresponding policy suggestions

in order to provide reference for fintech to better serve the financing of small and micro enterprises.

关键词

Keywords

references

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