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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Analysis reveals digital inclusive finance enhances innovation in SMEs, indicating financing constraints are crucial mediators.

Digital inclusive finance significantly improves innovation capabilities in small and medium-sized enterprises.
Financing constraints are a key factor in the relationship between digital inclusive finance and innovation.
Analysis utilized a two-way fixed effects model on data from listed companies on China's SME Board.
Findings suggest effective digital finance strategies can alleviate financing issues and boost SME innovation.

Zhuoqun et al. (2025) studied this question.

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