Digital Financial Inclusion and SRDI SMEs Development:Effect Analysis and Mechanism Test
This paper explores the mechanism of how digital financial products can efficiently promote the development of SMEs with specialization,refinement,differential,and innovation(SRDI)from the perspectives of the effectiveness of digital financial products:human resources,marketization,infrastructure construction,and external environment.Based on the es-tablishment of a comprehensive evaluation index system and the measurement of SMEs'SRDI index,factor marketization in-dex,and information infrastructure index,we empirically tested the above mechanisms and the heterogeneous effects in terms of industry,scale,and location differences using 999 SMEs listed on the SME board from 2011 to 2020 as research samples.
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