Analysis of the Impact of Financial Technology on the Green Transformation of Small and Medium Sized Enterprises

Unofficial AI-generated summary based on the public title and abstract. Not an official translation.

🔬研究者:Provides a framework for analyzing fintech's role in SME green transition, with empirical evidence from China.

🏢実務担当者:Highlights fintech tools (big data, blockchain) that can lower green finance barriers for SMEs.

🏛政策担当者:Suggests policy measures to address algorithmic bias and data monopolization in green fintech.

Driven by global sustainable development goals, the green transition of Small and Medium-sized Enterprises faces core bottlenecks such as financing difficulties, weak technology, and high information barriers. Fintech, however, is reshaping financial service models through technologies like big data, blockchain, and artificial intelligence, offering new pathways to overcome these challenges. By innovating green financing tools, enhancing environmental information transparency, and optimizing risk management mechanisms, fintech significantly lowers the barriers and costs of green transition for Small and Medium-sized Enterprises. This study systematically reveals the intrinsic pathway through which fintech drives Small and Medium-sized Enterprises green transformation via a tripartite synergistic mechanism of "green credit-environmental regulation-corporate Environmental, Social and Governance. Findings indicate it can increase green credit access rates, substantially reduce environmental compliance costs, and stimulate clean technology investment growth. The research also proposes targeted Chinese solutions to address algorithmic bias and data monopolization, providing crucial support for the theoretical development and policy implementation of digital green finance.

• openaire https://doi.org/10.54254/2754-1169/2025.bj28586first seen 2026-05-05 19:07:25