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The vigorous development of fintech has provided new ideas for commercial banks to improve financial services for small and micro enterprises (SMEs). Based on 510 commercial bank credit questionnaires for SMEs covering the east, central, west and northeast regions, the impact and mechanism of fintech on precision credit for SMEs was explored. At the same time, the moderating effect of credit supervision environment in this process was examined. The results indicate that fintech can significantly improve the accuracy of credit for SMEs, and this path can be achieved by weakening information distance constraints and improving customer infrastructure. Heterogeneity analysis shows that large commercial banks have more advantages than small and medium-sized commercial banks in improving the accuracy of credit for SMEs. The credit capacity for SMEs from commercial banks in the western and northeastern regions has greater potential for improvement compared to the eastern and central regions. In addition, in areas with poor credit regulatory environments, fintech plays a greater role in improving precision credit. Our findings enriches the theoretical explanation that fintech improves credit for SMEs, and also provides management inspiration for commercial banks to enhance their financial service capabilities for SMEs.
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| 科 Family | 属数 Number of genus | 种数 Number of species | 占总种数比例 Percentage of total species (%) | 属 Genus | 种数 Number of species | 占总种数比例 Percentage of total species (%) |
|---|---|---|---|---|---|---|
| 鹅膏菌科Amanitaceae | 2 | 11 | 5.26 | 鹅膏菌属 Amanita | 10 | 4.78 |
| 小菇科 Mycenaceae | 2 | 12 | 5.74 | 丝盖伞属 Inocybe | 5 | 2.39 |
| 多孔菌科 Polyporaceae | 8 | 14 | 6.70 | 蜡蘑属 Laccaria | 5 | 2.39 |
| 红菇科 Russulaceae | 3 | 23 | 11.00 | 小皮伞属 Marasmius | 6 | 2.87 |
| 小菇属 Mycena | 11 | 5.26 | ||||
| 光柄菇属 Pluteus | 5 | 2.39 | ||||
| 红菇属 Russula | 17 | 8.13 | ||||
| 栓菌属 Trametes | 5 | 2.39 |
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