数字普惠金融对中小企业经营效率的影响

The Impact of Digital Inclusive Finance on the Operating Efficiency of SMEs

数字普惠金融在近年来的发展越来越成熟,先后出现了数字金融、金融科技等一系列的新发展。从中小企业资产周转率的视角来研究数字普惠金融对中小企业经营效率的影响。结果表明,以资产周转率来衡量中小企业的经营效率时,数字普惠金融对其的影响是正向的,并且经过验证融资约束这个中介效应,结论也是成立的。中小企业合理地利用数字普惠金融,不仅能够加快资金周转,还能在技术鞭策下加快数字化转型。

The development of digital inclusive finance has become more and more mature in recent years,and there have been a series of new developments such as digital finance and financial technology.Digital transformation is also underway.The impact of digital inclusive finance on the operational efficiency of SMEs from the perspective of the asset turnover rate of SMEs is studied.The results show that when the operating efficiency of small and medium-sized enterprises is measured by the asset turnover rate,the impact of digital inclusive finance is positive,and after verifying the intermediary effect of financing constraints,the conclusion is also established.The rational use of digital inclusive finance by SMEs can not only speed up capital turnover,but also accelerate digital transformation under the impetus of technology.