Research on FinTech Reshaping Enterprise Investment and Financing Modes from the Corporate Finance Perspective (Highlights in Business Economics and Management)

Summary

• Traditional financial mechanisms rely heavily on fixed assets and collateral, creating information asymmetry and financing difficulties for small and micro enterprises.p.1
• Fintech integrates big data and artificial intelligence to expand enterprise credit dimensions through supply chain finance and online credit granting.p.2
• Digital dynamic credit models replace rigid physical collateral requirements by utilizing non-financial data such as tax records and business flow details.p.3
• Intelligent investment research tools improve capital allocation efficiency by reducing manual subjective biases in project value determination.p.3
• Uneven digital transformation across enterprise scales leaves many SMEs lacking basic digital management infrastructure.p.4
• Data silos across regulatory and judicial departments impede financial institutions from establishing complete risk pricing models.p.4

Key insights

1. Data aggregation and intelligent algorithm modeling narrow the information gap between banks and real enterprises.p.2
2. Online credit products like tax loans enable small enterprises to obtain disbursement based on compliant tax payment records without physical asset pledges.p.3
3. Quantitative data modeling helps reduce wasteful capital phenomena like blind expansion and repeated industrial investment.p.3
4. Management teams lacking digital financial literacy face increased liquidity risks due to multiple borrowings and high implicit financing costs.p.4
5. Algorithmic risk control models based on historical data struggle to accurately price risks for light-asset startup enterprises.p.4
6. Enterprises can compensate for algorithm technical shortcomings by combining intelligent data analysis with manual professional review.p.5
7. Establishing cross-departmental government data sharing platforms helps break data silos and support precise risk management.p.6