, there are some objective constraints and limit boundaries for the role of fintech, which may also bring Рnew risks. This article systematically analyzes the positive role of fintech in helping to alleviate the financing difficulties Рof SMEs and the existing constraints in conjunction with industry practice, and prospectively puts forward policy Рrecommendations to guide the standardized and orderly development of fintech in supporting SME financing, hoping to Рprovide references for regulators and practitioners to promote the resolution of SME financing difficulties.Р Keywords: fintech; small and medium-sized enterprises (SMEs); information asymmetry; big data; infrastructureРРР www.cnzgsl.com 2022年6月 089