The Impact of Digital Inclusive Finance on the Development of Specialized, Sophisticated, Distinctive, and Innovative SMEs

In recent years, specialized, sophisticated, distinctive, and innovative (SSDI) small and medium-sized enterprises (SMEs) have attracted widespread attention from both the government and various sectors of society. However, these SMEs face financing constraints due to inherent characteristics such as small scale, low profitability, and difficulty in credit assessment, which hinder their growth. Based on the features of digital inclusive finance, this study identifies that digital inclusive finance can effectively address the financing challenges faced by SSDI SMEs by reducing information asymmetry, broadening financing channels, and expanding financial service coverage. Consequently, it enhances the efficiency of financial resource allocation and positively impacts the development of SSDI SMEs.