Research On The Influencing Factors Of The Precision Of Credit Supply For Small And Micro Enterprises Under The Background Of Fintech

With the implementation of inclusive financial policies,small and micro enterprises(SMEs)have made corresponding progress in incremental expansion.The next step is how to improve quality and efficiency,promote the healthy growth of SMEs,and thus promote highquality economic development,and improving the supply utility of small and micro credit of commercial banks is the key.Due to the existence of information asymmetry,which leads to financial exclusion and credit rationing,banks tend to “reluctantly lend” to SMEs.It is necessary to explore the accuracy of credit supply and its influencing factors for SMEs by commercial banks,so it is of great practical significance to carry out research on the accuracy of small and micro credit supply.Based on the above background,taking the accuracy of small and micro credit supply of commercial banks as the research object,the factors affecting the accuracy of small and micro credit supply are analyzed from two paths: theory and empirical approach.Firstly,based on literature research and credit practice,Taking the stickiness of SMEs and the willingness of banks to supply as the intermediary variables,a dual-intermediary model for the accuracy of small and micro credit supply was constructed,and a questionnaire and scale of the accuracy of small and micro credit supply were formed.Secondly,after the pre-investigation,the final questionnaire was determined and the survey was carried out nationwide,the survey data of512 sample banks were obtained,and after data cleaning and screening,404 valid questionnaires were obtained,and the structural equation model was constructed by SPSS26.0and AMOS25.0,and then the basic path test and mediation effect test analysis were carried out to clarify the influence and action path of the influencing factors.Finally,all influencing factors are compared horizontally,their respective weights are determined,and the most critical influencing factors and their key components are identified.The research conclusions show that: first,the internal capabilities of commercial banks can positively affect the accuracy of small and micro credit supply through the stickiness of SMEs,and the management level of small and micro customers can improve the accuracy;Second,the credit policy support in the external environment of banks can positively affect the accuracy of small and micro credit supply through banks’ willingness to supply.Third,the financing guarantee support in the external environment of banks has no significant impact on the accuracy of credit supply.Fourth,the management level of small and micro customers and the stickiness of SMEs can effectively improve the accuracy of supply.Based on the above research conclusions,this paper proposes strategies to improve the accuracy of commercial banks’ small and micro credit supply from four aspects,such as small and micro customer management,financial technology application,credit environment creation and financing guarantee development.In order to bring together multiple forces and exert both internal and external efforts,so as to improve the accuracy of small and micro credit supply,and advance on the road of improving quality and efficiency.