4 CONCLUSIONS
In this paper, we summarize and elaborate on various
studies about the impact of digital financial inclusion
in SMEs and the existing obstacles in previous years.
For the impacts, we summarize three main aspects.
First, digital financial inclusion provides businesses
with easier access to financial services through lower
financial costs in order to help them invest efficiently.
The new mode of investigation and lending can
improve enterprise financing efficiency and alleviate
the shortage of funds for high-quality SMEs. Ease the
financial difficulties of SMEs through efficient
financial activities. Secondly, SMEs, as the mainstay
of patent innovation in China, should make efforts as
soon as possible to solve the obstacles encountered by
SMEs in science and technology innovation. Through
geographically disruptive online services, efficient
lending models, and a widened information network,
people can break down the barriers to science,
technology, and innovation in SMEs. Third, this
financial model can mitigate the imbalanced
negotiation position of SMEs in the upstream and
downstream of the supply chain by providing them
with appropriate funds, ensuring that their credibility
is not damaged by factors other than their own, and
promoting the sustainable development of SMEs.
In addition, this paper provides a summary of the
current impediments to digital financial inclusion.
First, people should strive to strike a balance between
risk and service expansion when developing digital
inclusive finance, as well as to ensure that the
development is benign, constructive, and beneficial to
the public. Secondly, enterprises should control the
quality of investment in digital inclusive finance to
prevent excessive hype and follow-through, leading
to capital bubbles and wasted resources. Finally,
companies should actively promote digital
transformation and utilize new management
structures to ensure that digital financial inclusion can
be carried out efficiently.
The main research direction of current scholars
focuses on the theoretical analysis of the impact of
digital inclusive finance on SMEs, and the empirical
analysis is still relatively rare. Based on this it is
necessary to expand from the following aspects.
Firstly, it is hoped that future literature will collect
data information on SMEs in different aspects.
Secondly, because too much theoretical research
makes the implementation of digital inclusive finance
stay on the surface, scholars should pay more
attention to the research on the implementation in the
future.
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