Research on Improving Financing Efficiency of Micro and Small Enterprises with the Support of FinTech

In recent years, FinTech has rapidly developed and gained widespread attention worldwide. By applying big data, artificial intelligence, blockchain, and other technologies, FinTech provides new solutions for the financing of micro and small enterprises (MSEs). This paper aims to explore how FinTech improves the financing efficiency of MSEs, analyze its specific application scenarios, and propose corresponding policy recommendations.