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.
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