Does digital inclusive finance promote credit accessibility for small and medium-sized enterprises in emerging markets? – Evidence from China
Abstract
The existing literature lacks studies on the boundaries of digital inclusive finance on small and medium-sized enterprises’ credit accessibility (SCA). Based on 8395 samples from 2011–2022, this study finds that digital inclusive finance significantly promotes SCA, financial technology (FinTech) suppresses this effect, and financial ecosystem can mitigate the negative impact of FinTech on the relationship between digital inclusive finance and SCA. This study extends the boundaries under which digital inclusive finance promotes SCA.
Fields of Study & Subjects
Microfinance and Financial Inclusion
FinTech
Crowdfunding
Digital Finance
Economic Growth and Development
Publication details
- Journal / source
- Applied Economics Letters
- Publisher
- Informa UK Limited
- Pages
- 1–6
- Publication date
- 8 January 2026
- Language
- EN