According to the Securities Daily, on August 31, Gong Jin, a senior researcher at the Jingdong Digital Science and Technology Research Institute, published an article entitled "Digital Technology is a Golden Key to Solve the Financing Difficulties of Small and Micro Enterprises." The article said that digital technology has reduced the operating costs of small and micro enterprises in banking services and improved service efficiency. With the help of big data, artificial intelligence, blockchain and other technologies, the intelligent risk control platform can realize the comprehensive digitization from credit application to post-loan management, and can use the data to establish a credit evaluation model, which greatly reduces the loan-to-credit cost of small and micro enterprises. , to achieve a complete transformation of "let data run more, users do not run." It is necessary to actively guide digital technology enterprises and give full play to their advantages in big data, blockchain, cloud computing, etc., and encourage exploration of innovative models of financial services for small and micro enterprises.