Article: Quantitative analysis of the influence of financial technology on enterprise financing structure based on machine learning Journal: International Journal of Data Science (IJDS) 2025 Vol.10 No.7 pp.136 - 153 Abstract: In recent years, the rapid development of Financial Technology (FinTech) has profoundly changed the operation of the financial market, where the extensive application of machine learning technology in risk assessment, credit approval, and asset pricing has significantly impacted the financing structure of enterprises. This paper breaks through the traditional research framework, constructing a 'technology-market' two-dimensional variable system from the perspective of the dynamic adjustment of enterprise financing structures, and quantitatively analyses the influence of FinTech driven by machine learning on the proportion of enterprise financing sources, financing costs, and term structure. It is found that the investment intensity in FinTech is positively correlated with the direct financing ratio of enterprises, with a more pronounced impact on information-sensitive industries. This paper not only enriches the research on the relationship between FinTech and corporate financing structures but also provides valuable policy suggestions and practical guidance for regulators, corporate decision-makers, and financial institutions. Inderscience Publishers - linking academia, business and industry through research

Title: Quantitative analysis of the influence of financial technology on enterprise financing structure based on machine learning

Authors: Yining Sun

Addresses: Business School, Jinjiang College, Sichuan University, Meishan, 620800, Sichuan Province, China

Abstract: In recent years, the rapid development of Financial Technology (FinTech) has profoundly changed the operation of the financial market, where the extensive application of machine learning technology in risk assessment, credit approval, and asset pricing has significantly impacted the financing structure of enterprises. This paper breaks through the traditional research framework, constructing a 'technology-market' two-dimensional variable system from the perspective of the dynamic adjustment of enterprise financing structures, and quantitatively analyses the influence of FinTech driven by machine learning on the proportion of enterprise financing sources, financing costs, and term structure. It is found that the investment intensity in FinTech is positively correlated with the direct financing ratio of enterprises, with a more pronounced impact on information-sensitive industries. This paper not only enriches the research on the relationship between FinTech and corporate financing structures but also provides valuable policy suggestions and practical guidance for regulators, corporate decision-makers, and financial institutions.

Keywords: machine learning; quantitative analysis; financial technology; enterprise financing structure; SMEs; small and medium-sized enterprises.

DOI: 10.1504/IJDS.2025.151183

International Journal of Data Science, 2025 Vol.10 No.7, pp.136 - 153

Received: 28 Apr 2025
Accepted: 03 Jul 2025
Published online: 16 Jan 2026 *

Title: Quantitative analysis of the influence of financial technology on enterprise financing structure based on machine learning

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