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Small and medium-sized enterprises play a vital role in the development of China's national economy. However, due to their own problems, they face difficulties and high costs in financing. This article introduces three reasons for the financing difficulties of small and medium-sized enterprises. As the financial industry gradually enters the Internet technology industry, the financing of small and medium-sized enterprises has undergone digital transformation. By understanding the new financing model constructed by digital finance, analyzing its innovative mechanism to empower small and medium-sized enterprises' financing, and proposing corresponding countermeasures to the resulting difficulties.
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