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August 22, 2025Open Access

Research on the Impact of Digital Inclusive Finance on the Innovation of Small and Medium-Sized Enterprises - The Mediating Effect of Financing Constraints

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Research shows digital inclusive finance enhances innovation in SMEs, suggesting financing constraints play a significant mediating role.

Digital inclusive finance significantly promotes technological innovation among SMEs, especially in finance access.
The study indicates that alleviating financing constraints enables greater innovation capabilities in small enterprises.
Using a two-way fixed effects model, the analysis focuses on China’s SME Board from 2014 to 2024.
The findings highlight the importance of digital financing solutions in overcoming traditional financing hurdles.

Zhuoqun et al. (2025) studied this question.

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