Research On How Commercial Bank Draft Fintech Platform Facilitates The Financing Of Small And Medium-sized Enterprises

For a long time,the financing dilemma of small and medium-sized enterprises has been a worldwide financial problem.Both governments and various financial institutions are trying to change this situation.In recent years,the gradual rise of fintech has triggered a revolutionary subversion in the financial industry.Fintech is expected to improve the situation of difficult and expensive financing of minor and medium-sized enterprises.This paper mainly studies the role of commercial bank draft fintech platform in advancing the financing of minor and medium-sized enterprises.Based on information asymmetry and other classic economic theories,transaction cost and digital economy,combined with the positive research of real cases,starting from the reasons for the financing predicaments of minor and medium-sized enterprises,combined with the traits of draft transaction,the growth of fintech and the application of fintech platform,this paper analyzes in detail how the commercial bank draft fintech platform accelerates the financing activities of minor and medium-sized enterprises.This paper holds that under the background of the vigorous development of the draft market,the commercial bank draft fintech platform provides a wider financing channel and lower financing cost for small and medium-sized enterprises by promoting draft trading and building the draft circulation market,so as to contribute to alleviating the financing difficulties of minor and medium-sized enterprises.This paper theoretically analyzes in detail the operation mechanism of the commercial bank draft fintech platform and the mechanism of promoting the financing of small and medium-sized enterprises,including alleviating information asymmetry,establishing efficient credit evaluation,realizing accurate supply-demand matching,reducing transaction costs and so on.This paper analyzes the mechanism of commercial bank draft fintech platform promoting the financing of minor and medium-sized enterprises through the real case of S platform.Further,through some transaction data accumulated by the platform,statistics and regression analysis,this paper discusses the specific promotion effect of commercial bank draft fintech platform on the financing of small and medium-sized enterprises.Finally,it forecasts and gives suggestions for the development of fintech platform and the future construction of draft market.