Small and micro enterprises are an important part of China’s national economy, and the Chinese government attaches great importance to their important role in promoting supply-side structural reform, promoting high-quality development, and building a modern economic system. The difficulty of financing is the main factor restricting the development of small and micro enterprises. Poor debt financing, lack of shareholder support, operational characteristics of small and micro enterprises, deleveraging policies, Sino-US trade frictions, etc., are the main reasons for the financing difficulties of small and micro enterprises. Measures such as standardizing the operation of small and micro enterprises, improving the financial service system, improving the management system, improving the mortgage guarantee ability, and enhancing the risk identification ability can be taken to alleviate the financing difficulties of small and micro enterprises.

Seeing the existence of MSME needs that have still not been met although this sector is undeniably important in Indonesian economy, changes in community behaviour and the intensity of the use of technology in the community, financial technology (fintech) has a lot of potentials to become a part of the solution of the problem commonly faced by MSMEs. Therefore this research needs to be done to observe the potential of fintech in integrating MSMEs in terms of the application of technology and knowledge from the community related to fintech. By using Technology Acceptance Model, this research tries to understand the determinant factors of the fintech application used by MSME. Based on the research framework and model, path analysis method used in this research. This research uses primary data gathered by the questioner, which was distributed to MSME. From the analysis conducted, we can conclude that the external factors tested in this research could have an effect on the behaviour intention through perceived usefulness in MSME practice of financial technology. Large variation in MSME educational background, busineess age and size would become a challenge in promoting fintech application, therefore this finding suggests that fintech should be promoted by highlighting what benefits can be obtained by using fintech application.

Small and micro cultural enterprises make tremendous contributions to the development as well as the growth of China’s cultural industry. Creative talents who is playing a significant role are the sources of the rise, development and prosperity of enterprises. It is useful to develop a series of special strategies to motivate the creative talents on the premise that we analyzed the current situation of small and micro enterprises, the characteristics and demand factors of the creative talents. At present, there exist some problems in the small and micro enterprises about incentive, such as inferfect human resource management, low overall wage level and depressed business environment and so on. In order to solve the above problems, we ought to stick to the principles: combining the material and mental incentives, short-term and long-term incentives as well as individual and team motivation. We can complete the system of incentives by means of human resource outsourcing, create suitable environment for creative talents, enhance cultural and intrinsic incentives and so on intending to improve the incentive level of creative talents in small and micro enterprises.