目前，我国已经踏入了“新常态”，经济发展态势放缓放稳，更加注重经济的高质量发展。技术创新是推进经济结构战略转型、实现可持续发展的不竭动力，并且，企业在我国技术创新中起到了很大的主体作用。然而，技术创新活动的投资周期长且回报金额具有极高的不确定性，风险性极高，资本对于创新项目的投入有所顾虑，众多处于融资困境的中小企业在创新项目上无法提供资金支持，企业创新缺乏动力。新兴信息技术的发展拓展了金融行业的边界，金融科技应运而生。作为金融领域的创新，金融科技可以增强金融市场的透明度，扩展资本投入的渠道，有效提高资本市场的运行效率。

本文以金融科技对于企业创新的影响效益为研究重点，提取并筛选了中小板上市公司的财务数据。参考已有文献，本文依据三个维度构建金融科技指数，并将众多数据导入Stata软件进行处理，建立回归模型，解释变量之间的定量关系。研究结果表明：金融科技与企业创新呈正相关关系，金融科技的发展可以助推企业创新活动。

Now, China has stepped into the "new normal", the trend of economic development is slowing down and stabilizing, and more attention is paid to the high-quality development of the economy. Technological innovation is an inexhaustible driving force for economic restructuring and sustainable development, and enterprises play a major role in technological innovation in China. However, the return cycle of technological innovation activities is long, and the financial return is highly uncertain. Therefore, capital is concerned about the investment in innovation activities, which makes many medium or small size enterprises’ innovation projects in a serious financing dilemma, and enterprises lack motivation for innovation. The development of emerging technology expands the boundary of financial industry, Fintech emerges as the times require. As a technological innovation in the financial field, the development of financial technology can enhance the transparency of the financial market, expand the channels of capital investment, and improve the efficiency of the financing market.

This paper focus on the impact of the development of financial technology on the financing and innovation of small and medium-sized enterprises, extracts the financial data of SME board-listed companies. Referring to the existing literature, this paper constructs fintech index based on three dimensions and uses Stata to make statistical analysis, constructs analysis model to explain the quantitative relationship between variables. The results show that there is a positive correlation between fintech and enterprise innovation output, and the development of fintech can boost enterprise innovation activities.