摘要中小微企业是我国经济发展中的中流砥柱，是普惠金融重点服务对象之一。在中小微企业存货发展中存在一些问题，如融资体系不健全，融资成本高等问题亟待解决。随着金融科技的迅猛发展，数字普惠金融逐渐出现在大众视野，金融服务与产品也随之发生改变。数字普惠金融对于我国目前的经济发展而言，具有积极的意义，通过不断完善现有的数字普惠金融体系，能够为中小微企业融资增加新的融资渠道，并减少信息不对称等问题，与此同时，也能够有效降低企业融资的难度，为中小微企业的发展提供积极的支持。在这一发展背景下，笔者主要分析了数字普惠金融对中小微企业融资约束带来的影响，并通过梳理相关文献，得出：数字普惠金融在近几年因金融数字化技术的快速发展呈现良好上升态势，空间异质性也得到显著缓解。此外，本文进行实证分析。得出以下结论：数字普惠金融对中小微企业融资有促进作用。在今后发展，各部门应继续重视数字普惠金融的发展，助力中小微企业更好发展。关键词：数字普惠金融；中小微企业融资；降低融资成本；积极作用TheimpactofdigitalinclusivefinanceonthefinancingconstraintsofmicroenterprisesAbstract:MicroenterprisesarethemainstayofChina'seconomicdevelopmentandoneofthekeyserviceobjectsofinclusivefinance.Therearesomeproblemsintheinventorydevelopmentofsmallandmicroenterprises,suchasimperfectfinancingsystemandhighfinancingcost.Withtherapiddevelopmentoffinancialtechnology,digitalinclusivefinancehasgraduallyemergedinthepublicview,andfinancialservicesandproductshavechangedaccordingly.Inthecurrentincreasinglyfierceeconomiccompetition,Chinaacceleratesthepaceofthedevelopmentofdigitalinclusivefinance,promotestheimprovementofthedigitalinclusivefinancesystem,addsnewfinancingchannelsforthefinancingofsmallandmicroenterprises,reducesinformationasymmetryandotherproblems,reducesfinancingcosts,andimprovesthesurvivalrateofsmallandmicroenterprises.Forthestudyofinclusivefinancialinfluenceonmicro,smallandmediumenterprisesfinancingconstraints,basedonthereferencetidynowinclusivefinancialdevelopment,andonthebasisofmicro,smallandmediumenterprisesfinancingliterature,foundthatdigitalinclusivefinancialfinancialdigitaltechnology'srapiddevelopmentinrecentyearsduetorisinggoodposture,spatialheterogeneityhasbeensignificantlyreduced.Inaddition,thispapercarriesoutempiricalanalysis.Thefollowingconclusionsaredrawn:Digitalinclusivefinancecanpromotethefinancingofsmall,mediumandmicroenterprises.Inthefuture,alldepartmentsshouldcontinuetopayattentiontothedevelopmentofdigitalinclusivefinancetohelpthebetterdevelopmentofsmall,mediumandmicroenterprises.Keywords:DigitalInclusiveFinance;Inclusivefinance;reducefinancingcosts;positiverole目录....................................................................................................................................................5...........................................................................................................5.............................................................................................................................5.............................................................................................................................5.............................................................................5.....................................................................................................................5.............................................................................................................6.............................................
