In recent years, China’s digital economy has developed rapidly with the scale continuously growing in proportion to GDP. In the context of this development and expansion, Electronic CNY (e- CNY) has also developed in an orderly and stable manner, and the usage of e- CNY has comprehensively promoted the efficiency of the digital economy. With an emphasis on small and micro enterprises as the key component of the digital economy, this paper analyzes the special characteristics of small and micro enterprises in terms of financial situation and pattern of currency transactions and takes a deep dive into the scenario of financial difficulties in the development of small and micro enterprises. give suggestions to small and micro enterprises on how to leverage the method of financial assistance to accelerate and improve the operational efficiency of small and micro enterprises, expand the scale and profits of enterprises, and enhance the market competitiveness of small and micro enterprises in the digital age. This paper proposes that with the promotion and use of e- CNY, small and micro enterprises can embark on the development path by using various information tools, accelerate technological progress and industrial upgrading, realize large-scale operations, and eventually learn to manage enterprises with digital thinking in the wave of the digital era, gradually realize the digital transformation of enterprises, and finalize help the country’s economic transformation with the digital transformation of small and micro enterprises.