The financing difficulties of SME in Shaanxi are mainly due to their narrow financing channels. Financial technology plays an essential role in promoting China's economic development, especially in alleviating the financing difficulties of SME in Shaanxi Province. However, the government has always adopted a policy of restraining Financial technology. The elaboration of the supplementary role of private financing in the People's Bank of China's Regional Financial Operation Report 2004 indicates the coming of the legal era for private funding. Based on this, this paper attempts to use financial technology to solve the financing problems of SMEs in Shaanxi. Based on the analysis of the financing status of SME in Shaanxi Province and the introduction of the development status and characteristics of Financial technology, this paper makes a demand analysis and advantage analysis on the financing problems of SME using economic science and technology, and makes rational thinking on the financing of SME using economic science and technology, and fully understands the basis of business science and technology risks. On the other hand, it puts forward some policy suggestions on Financial technology to support the financing of SMEs in Shaanxi, to guide the legalization of economic science and technology, and to better serve the financing of SMEs in Shaanxi.
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