中小企業是全球經濟成長的主要動能，且有望成為金融科技潛在得利者，而融資更在金融科技應用中扮演重要的角色，結合科技的應用，可以更進一步以非結構化資料建立信用評分模型以評估信用風險，不僅能更加瞭解顧客、達到精準行銷，使風險的估計更為準確。結合金融科技的新興融資方式，P2P借貸將為中小企業資金融通帶來了新的方向，消費信貸商品與傳統股債市相關性較低，提供小額投資人一多角化的新形態投資標的。 / Small and Medium Enterprises (SMEs) are the main drivers of global economic growth and are expected to become potential beneficiaries of financial technology. Besides, financing also plays an important role in the application of financial technology. With the application of technology, credit risk can be further evaluated with unstructured data model, so that we can not only know the customers better to achieve accurate marketing, but also estimate credit risk more accurately. In combination with the emerging financing method of FinTech, P2P lending will bring a new channel for the financing of SMEs. Moreover, consumer credit loans, low correlated with traditional investment products such as stocks and bonds, provide retail investors a diversified investment instrument.