Abstract
This paper examined the digital transformation strategies of commercial banks and financing services availed by small and medium-sized enterprises (SMEs). Against the backdrop of fintech development, it analyzed how digital tools (such as big data risk control and blockchain-based supply chain finance) mitigate information asymmetry between banks and enterprises. The research finds that digital transformation significantly enhances SMEs' financing accessibility, though regional disparities and technology adaptation issues persist. The results showed that significant differences exist in innovation and collaboration strategy when classified by number of employees, and employee empowerment and upskilling when classified by loan extended. Significant difference was detected in financing services when grouped by size of business. Commercial banks should strengthen technological investments and scenario-based service design, while policymakers should improve data-sharing mechanisms. This research provided empirical evidence for integration of fintech and inclusive finance, offering practical value for commercial banks' strategic transformation and alleviating SMEs' financing difficulties
