Digital inclusive finance, financial mismatch and the innovation capacity of small and medium-sized enterprises: Evidence from Chinese listed companies.

he innovation ability of enterprises; from the From the results of Model 2, after the inclusion of digital inclusive finance, the positive impact of the lagged period of corporate innovation capability on the current period of corporate science and innovation capability is weakened, but still shows a positive trend of promotion, and financial mismatch has a significant negative impact on corporate STI capability at the 1% level (coefficient of −0.218), while digital inclusive finance has a significant positive impact on corporate patent quality at the 5% level (coefficient of −0.218).

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