摘要中小微企业是我国经济发展中的中流砥柱，是普惠金融重点服务对象之一。在中小微企业存货发展中存在一些问题，如融资体系不健全，融资成本高等问题亟待解决。随着金融科技的迅猛发展，数字普惠金融逐渐出现在大众视野，金融服务与产品也随之发生改变。数字普惠金融对于我国目前的经济发展而言，具有积极的意义，通过不断完善现有的数字普惠金融体系，能够为中小微企业融资增加新的融资渠道，并减少信息不对称等问题，与此同时，也能够有效降低企业融资的难度，为中小微企业的发展提供积极的支持。在这一发展背景下，笔者主要分析了数字普惠金融对中小微企业融资约束带来的影响，并通过梳理相关文献，得出：数字普惠金融在近几年因金融数字化技术的快速发展呈现良好上升态势，空间异质性也得到显著缓解。此外，本文进行实证分析。得出以下结论：数字普惠金融对中小微企业融资有促进作用。在今后发展，各部门应继续重视数字普惠金融的发展，助力中小微企业更好发展。关键词：数字普惠金融：中小微企业融资；降低融资成本：积极作用The impact of digital inclusive finance on the financingconstraints of micro enterprisesAbstract:Micro enterprises are the mainstay of China's economic development andone of the key service objects of inclusive finance.There are some problems in theinventory development of small and micro enterprises,such as imperfect financingsystem and high financing cost.With the rapid development of financial technology,digital inclusive finance has gradually emerged in the public view,and financialservices and products have changed accordingly.In the current increasingly fierceeconomic competition,China accelerates the pace of the development of digitalinclusive finance,promotes the improvement of the digital inclusive finance system,adds new financing channels for the financing of small and micro enterprises,reducesinformation asymmetry and other problems,reduces financing costs,and improves thesurvival rate of small and micro enterprises.For the study of inclusive financialinfluence on micro,small and medium enterprises financing constraints,based on thereference tidy now inclusive financial development,and on the basis of micro,smalland medium enterprises financing literature,found that digital inclusive financialfinancial digital technology's rapid development in recent years due to rising goodposture,spatial heterogeneity has been significantly reduced.In addition,this papercarries out empirical analysis.The following conclusions are drawn:Digital inclusivefinance can promote the financing of small,medium and micro enterprises.In thefuture,all departments should continue to pay attention to the development of digitalinclusive finance to help the better development of small,medium and microenterprises.Key words:Digital Inclusive Finance;Inclusive finance;reduce financing costs;positive role目录一、前言5(一）研究背景与研究意义51、研究背景2、研究意义5(二)普惠金融及数字普惠金融的概念界定51、普惠金融定义…52、数字普惠金融定义6(三)文献综述7二、数字普惠金融体系对中小微企业融资约束影响的分析…8(一)数字普惠金融现状分析及趋势发展…8】、数字普惠金融现状分析.82、数字普惠金融趋势发展.(二)中小微企业融资约束现状分析及趋势发展1、中小微企业融资约束现状分析…2、中小微企业融资趋势发展11三、数字普惠金融对中小微企业融资约束影响的实证分析…(一)样本选取与数据来源…(二)模型设计与变量说明.121、研究假设…2、模型构建13(三)数字普惠金融对中小微企业融资约束影响的分析1、描述性统计2、基准回归…43、回归结果及分析16(四)实证结论17四、总结与启示门(一)国际方面加强数字普惠金融推广交流17(二)因内方面将传统普惠金融及数字普惠金融优势互补、完善监管体系17