当前社会中，中小企业对于国民经济发展发挥着主导作用，属于市场经 济体系主要的构成环节，对于社会稳定发挥着重要的支持作用，在增加就业、 促进经济增长和建设和谐社会等方面具有非常重要的作用。但是在银行信贷 为核心的传统信贷市场中，中小企业一直面临着融资难融资贵的困境。近年 来，由大数据和区块链等新兴前沿技术带动的金融科技的迅速发展，为突破 中小企业融资瓶颈提供了新的思路。本篇论文在对金融科技等理论进行详细 介绍之后，针对金融科技发展对于中小企业融资的影响作用进行了理论分析 和实证研究，获取了 2011-2018 年上市的中小企业外源融资数据，并构建了 中小企业融资规模指标与两个金融科技发展水平的替代变量，运用普通最小 二乘法进行多元回归分析，证明了金融科技的发展可以有效提高中小企业的 融资水平，并提出了相应政策建议来为缓解中小企业融资困境做贡献

In the current society, small and medium-sized enterprises play an important supporting role for employment growth, economic growth and the construction of harmonious society. However, in the traditional credit market with bank credit as the core, small and medium-sized enterprises have been facing the predicament of difficult and expensive financing. In recent years, the rapid development of financial technology driven by emerging frontier technologies such as big data and blockchain has provided new ideas for breaking through the financing bottleneck of SMEs. This paper introduces the concepts and classical theories of financial technology and enterprise financing dilemma. After that, this paper obtained the external financing data of SMEs from 2011 to 2018, constructed the substitution variables of SMEs' financing scale index and fintech development level, and carried out multiple regression analysis with OLS.The results prove that the development of fintech can effectively improve the financing level of SMEs. Based on this, this paper puts forward corresponding policy suggestions to make contributions to alleviate the financing difficulties of SMEs.