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Background. With the continuous advancement of digital technology and the accelerated development of digital finance, the rise of digital finance has had a vital impact on the true evolution of SMEs. The digital economy has a significant positive impact on the productivity of SMEs. Method. This article first analyzes the digital level of SMEs, studies the incentive effect of digital finance on the level of technological revolution of SMEs, and analyzes the mitigation effect of digital finance evolution on the financing constraints of SMEs. At the same time, it also studies how to develop the digital economy and achieve high-quality business evolution. Result. The digital economy can promote the growth of enterprise productivity through four indirect ways: scale economy effect, scope economy effect, technological revolution effect, and management benefit effect. Conclusion. The Financial Technology Optimization program helps financial leaders adopt new digital technologies to optimize financial processes while minimizing disruption.

Research on the Impact Mechanism and Application of Financial Digitization and Optimization on Small- and Medium-Sized Enterprises