Proceedings of the 2024 6th International Conference on Economic Management and Model Engineering (ICEMME 2024)

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Digital Inclusive Finance Improve the Performance of Small and Medium-Sized Enterprises? Evidence From China

Authors
Fengnian Zhao1, *
1International business school, Henan University, Zhengzhou, Henan, P.R. China
*Corresponding author. Email: 15993319722@163.com
Corresponding Author
Fengnian Zhao
Available Online 23 April 2025.
DOI
10.2991/978-94-6463-690-1_13How to use a DOI?
Keywords
digital inclusive finance; business performance; credit constraints; information asymmetry; technological innovations
Abstract

This study researches the influence of digital inclusive finance on small and medium-size enterprises’ business performance. The role and mechanism between inclusive digital finance and business performance are explored by constructing a structural equation model. The finding indicates that digital inclusive finance can have direct and indirect effects on business performance. Alleviating credit constraints, alleviating information asymmetry and promoting technological innovation are mediators. The results contribute to the existing academic literature on digital inclusive finance, specifically focusing on SMEs. Furthermore, it provides insights and recommendations for policymakers, financial institutions, and SMEs themselves on how to effectively implement digital inclusive finance over an extended period.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2024 6th International Conference on Economic Management and Model Engineering (ICEMME 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
23 April 2025
ISBN
978-94-6463-690-1
ISSN
2352-5428
DOI
10.2991/978-94-6463-690-1_13How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Fengnian Zhao
PY  - 2025
DA  - 2025/04/23
TI  - Digital Inclusive Finance Improve the Performance of Small and Medium-Sized Enterprises? Evidence From China
BT  - Proceedings of the 2024 6th International Conference on Economic Management and Model Engineering (ICEMME 2024)
PB  - Atlantis Press
SP  - 127
EP  - 134
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-690-1_13
DO  - 10.2991/978-94-6463-690-1_13
ID  - Zhao2025
ER  -