In the context of industrial structure upgrading,whether the credit resources of commercial banks can be highly matched with the development needs of enterprises is a crucial aspect in evaluating the effectiveness of financial services.This paper sorts out the connotation and measurement method of fintech and credit supply and demand mismatch between banks and enterprises,and expounds the internal mechanism of technology to alleviate credit mismatch from four aspects:cost drive,information disclosure drive,risk control drive and inclusive drive,and believes that fintech can realize the matching of credit supply and demand between banks and enterprises such as infrastructure upgrading,information barrier elimination and literacy improvement.In the future,China's commercial banks should pay more attention to the systemic risk transmission and user information security protection,the organic connection between bank credit and Internet finance and guarantee of the subjective initiative of supply and demand,and help the healthy and orderly development of China's digital credit business through the innovation of science and technology and management mode.
NETL
NSTL
万方数据
