Research on the Impact of Inclusive Finance on SME Financing: Taking Shenzhen as an Example

DOI: https://doi.org/10.62517/jbm.202509304

Author(s)

Qinying Li, Hongmin Lu*

Affiliation(s)

Guangzhou College of Commerce, Guangzhou, China *Corresponding Author

Abstract

As an important tool to alleviate financing constraints for small and medium-sized enterprises, the mechanism and implementation path of inclusive finance urgently need to be further studied in the context of the digital economy. This article takes Shenzhen as the research object, based on panel data of 30 small and medium-sized enterprises in the city from 2013 to 2023, constructs an empirical model covering core variables such as coverage breadth (DFI-B), usage depth (DFI-D), digitalization degree (Digital), and enterprise liquidity (CR), and systematically analyzes the impact of inclusive finance on financing for small and medium-sized enterprises.

Keywords

Inclusive Finance; Financing for Small and Medium-Sized Enterprises; Digital Finance; Financial Technology

References

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