Design and Research on Financing Model for Small and Medium-sized Enterprises under the Digital Transformation of Commercial Banks

In the context of the digital economy, as an important part of the national economy, the financing issues of small and medium-sized enterprises have received increasing attention. The digital transformation of commercial banks has provided new opportunities and challenges for the innovation of financing models of small and medium-sized enterprises. This study aims to explore the impact of digital transformation of commercial banks on the financing model of small and medium-sized enterprises, and propose corresponding financing model design solutions. Through literature review, case analysis and other methods, the study found that the application of digital technology in commercial banks can not only optimize traditional business processes and improve customer service levels, but also significantly improve risk management capabilities, and provide more convenient and efficient financing services for small and medium-sized enterprises. Based on this, this paper proposes innovative financing models such as digital credit evaluation system, digital risk management system and supply chain finance based on blockchain technology, and explores its specific implementation path, including internal process transformation of commercial banks, cross-industry cooperation and ecosystem construction, and policy support and regulatory framework optimization. Through the analysis of successful cases at home and abroad, this study summarizes the actual effects and successful experiences of digital transformation on financing of small and medium-sized enterprises, and provides useful reference for policymakers and financial institutions. The research conclusions of this paper show that the digital transformation of commercial banks is not only a necessary way to enhance their own competitiveness, but also an effective means to solve the financing difficulties of small and medium-sized enterprises, which is of great significance to promoting high-quality economic development.