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Digital transformation, credit availability, and MSE performance: Evidence from China

Year: 2024

Type: article

Abstract: Against the backdrop of shrinking global demand and reduced expectations, the development of micro and small enterprises (MSEs) has attracted widespread attention. Based on 2017 and 2019 data from the China Household Finance Survey (CHFS), this paper investigates the impact of digital transformation on the operating income of MSEs in China. The findings show that digital transformation significantly increases the operating income of MSEs by improving their access to credit. In addition, heterogeneity analysis reveals that the impact of digital transformation is more pronounced for MSEs in the growth stage and operating in central and western China.

Source: Finance research letters

DOI: 10.1016/j.frl.2024.106552

Authors: Rundong Guo, Jiayi Liu, Yingfeng Yu

Language: English

Topic: FinTech, Crowdfunding, Digital Finance

Subfield: Management Information Systems

Field: Business, Management and Accounting

Domain: Social Sciences

SDGs: Decent work and economic growth, Industry, innovation and infrastructure

Open Access status: hybrid

Estimated APC paid: $3,350

OpenAlex ID: W4404889940

FWCI: 4.765

Cites: 20

Cited by: 10

Related to: 10