湯慧婷

【Abstract】As a portmanteau of financial technology that Fin-tech describe emerging financial services sector in the 21st century. Hence， respect to the “Twelfth Five-Year Plan” put forward the strategic goal of "accelerating the development of new financial services institutions that serve scientific and technological innovation.Zhe Jiang province is one of the provinces with a large proportion of small and medium-sized enterprises in China， after the financial crisis of 2008 caused the impact on the economy of Zhe Jiang province. In this paper that has used some examples from Zhe Jiang minor enterprises， such as small and medium-sized enterprise innovation present situation investigation and study on the current situation and its ability to innovate

【Key words】financial technology， minor enterprises， innovation， government strategies

1.Typical measures of Financial Technology （in Zhe Jiang province）

First，set up a guiding fund to form a mechanism for guiding and amplifying financial funds.

Second， establish risk compensation subsidy and improve the financing risk sharing mechanism.

Third， establish a credit monopoly institution and the defendant is differentiated and supervised. rises in commercial Banks， which solves many problems in the financing process.

Fourth， improve policy-based guarantee and reduce the corporate financing threshold The financing guarantee is an effective way to increase the credit of small and technological micro-enterprises， which has led financial institutions to increase financing support for small and small enterprises.

2.Recently Problems on Fin-Tech Measures

Lack of a complete policy system to support the development of small and medium-sized enterprises. The difficult and guaranteed problem countries have introduced some relevant policies but have not yet formed enterprises has led to the flow of most social resources and bank loans to large enterprises.

The state-owned commercial bank of small and medium-sized commercial banks specialized for small and medium enterprises is the current financial system in China .The main body of the system， although there are joint-venture commercial banks and local commercial banks， the capital strength can not be with at all.Neverthele，lack of supervision and the compensation mechanism of the credit system are still in the process of the planned economy .Although there are many government guarantee agencies， the operation performance is poor.

3.Countermeasures to Deal with Problems

1）.Decisions and laws To development environment conducive to small and medium-sized enterprises innovation to promote healthy and rapid growth of small and medium-sized enterprises in our country central issued a series of laws and regulations such as the 2003 implementation of minor enterprises promotion law of the People's Republic of China， the recently revised the company law， the securities law and so on.

2）Improve service forms In July， the China banking regulatory commission issued the Banks carry out small enterprise loan business guidance since Zhe Jiang branch of national development and four rows of workers and peasants， Ming Sheng Bank （Hang Zhou） branch， China Merchants Bank， Hang Zhou 7 branch Banks were opened small businesses such as loan pilot work， have set up the small and medium-sized enterprise credit business department， to develop professional system for small businesses.

3）.Solve the mortgage problems Small and medium-sized enterprises to apply for a loan from the bank， concerned about most is the interest rate， the examination and approval formalities for examination and approval of speed and the three problems. So the crack small-business loans problem， from you to set up credit institutions and credit rating， the process re-engineering， incentive mechanism and so on comprehensive renovation， find the simplified process and control risk.

4）.Multiple ways to finance Zhe Jiang province is a rich private and developed economy. Currently， about 300 billion funds are stored in the bank. In recent years， Wen Zhous "house-buying" phenomenon is actually a kind of "alternative performance" of private funds seeking investment channels.

5）.Build good credit problems Financing difficulties are the primary problems in the development of small and medium-sized enterprises， but it does not exist in isolation， and other conditions closely related with the enterprise itself， so the enterprise must strengthen its own construction， through perfecting the corporate governance structure and organization， establishing internal control system that has increased investment in technology to set up their own good image， to win the trust and support of the bank.

4.Conclusion

At present， the technology of Zhe Jiang province financial services related structure through resource integration， pattern innovation constantly explore， under the traditional financial system， the a support the development of small and mid-sized enterprise financing a new path. Zhe Jiang science and technology financial innovation is in its embryonic stage and needs the attention and support from all circles.

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