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Wen Xiao (He'nan Province Hebi City Qibin District Science and Technology Bureau, Hebi 458030, China) Abstract: This paper thoroughly explores the realistic challenges and solutions for financial technology to promote enterprise innovation and development, pointing out three major issues: the incomplete legislative system for financial technology-driven enterprise innovation, weak financial innovation momentum, and insufficient talent reserves. It also analyzes their constraints on enterprise innovation and development. To address these issues, the paper proposes measures such as improving legal and collaborative mechanisms, strengthening the dynamic development of financial technology, and constructing a precise matrix of composite financial talents. These efforts aim to provide a solid legal foundation, a favorable collaborative environment, and robust technological and intellectual support for financial technology to empower enterprise innovation and development, thereby better leveraging the role of financial technology in promoting enterprise innovation. Keywords: financial technology; enterprise innovation; collaborative development; composite talents