[1] Blancher N., Appendino M., Bibolov A., Fouejieu A., Li J.W., Ndoye A., Panagiotakopoulou A., Shi W., Sydorenko T. Financial Inclusion of Small and Medium-Sized Enterprises in the Middle East and Central Asia[M]. Washington, DC: International Monetary Fund, 2019. [2] 彭德荣, 廖卫东, 刘淼. 银行业市场竞争是否缓解了中小企业面临的信贷约束——基于我国银行业放松管制的证据[J]. 金融监管研究, 2020, (5): 66-80. [3] 李廷瑞, 张昭. 金融监管与中小企业技术创新——来自新三板企业的证据[J]. 贵州财经大学学报, 2022, (5): 53-62. [4] Rasheed R., Siddiqui S.H., Mahmood I., Khan S. N. Financial Inclusion for SMEs: Role of Digital Micro-financial Services[J]. Review of Economics and Development Studies, 2019, 5(3): 571-580. [5] 黄锐, 赖晓冰, 唐松. 金融科技如何影响企业融资约束?——动态效应、异质性特征与宏微观机制检验[J]. 国际金融研究, 2020, (6): 25-33. [6] 程超, 柳凌韵. 银行竞争如何影响中小企业信贷可获性?——基于市场规模结构的调节作用研究[J]. 南京审计大学学报, 2020, (2): 79-90. [7] 李华民, 吴非. 谁在为小微企业融资: 一个经济解释[J]. 财贸经济, 2015, (5): 48-58. [8] Gunathilake I.Financial Inclusion: A Review of Small & Medium Enterprises(SMEs) Access To Credit[J]. Global Scientific Journals, 2020, 8(2): 4328-4349. [9] Gomber P., Koch J.A., Siering M. Digital Finance and Fintech: Current Research and Future Research Directions[J]. Journal of Business Economics, 2017, 87(5): 537-580. [10] 赵尧. 金融科技平台的架构、定性与规制[J]. 江西财经大学学报, 2022, (3): 116-125. [11] Cenni S., Monferra S., Salotti V., Sangiorgi M., Torluccio G.Credit Rationing and Relationship Lending. Does firm size matter?[J]. Journal of Banking & Finance, 2015, 53(4): 249-265. [12] Liberti J.M. Initiative, Incentives, and Soft Information[J]. Management Science, 2018, 64(8): 3714-3734. [13] Jaksic M., Marinc M.Relationship Banking and Information Technology: The Role of Artificial Intelligence and Fintech[J]. Risk Management, 2019, 21(1): 1-18. [14] Karim S., Naz F., Naeem M.A., Vigne S. A. Is Fintech Providing Effective Solutions to Small and Medium Enterprises in ASEAN Countries?[J]. Economic Analysis and Policy, 2022, 75(3): 335-344. [15] 盛天翔,范从来. 金融科技、最优银行业市场结构与小微企业信贷供给[J]. 金融研究, 2020, (6): 114-132. [16] Tsai C.H., Peng K. J. The FinTech Revolution and Financial Regulation: The Case of Online Supply-Chain Financing-Erratum[J]. Asian Journal of Law & Society, 2017, 4(1): 109-132. [17] Scott J A., Dunkelberg W.C. Competition for Small Firm Banking Business: Bank Actions Versus Market Structure[J]. Journal of Banking & Finance, 2010, 34(11): 2788-2800. [18] 刘莉亚, 余晶晶, 杨金强, 朱小能. 竞争之于银行信贷结构调整是双刃剑吗?——中国利率市场化进程的微观证据[J]. 经济研究, 2017, (5): 131-145. [19] Filip D., Jackowicz K., Kozlowski L.Influence of Internet and Social Media Presence on Small, Local Banks’Market Power[J]. Baltic Journal of Economics, 2017, 17(2): 190-214. [20] 孟娜娜, 粟勤. 挤出效应还是鲶鱼效应: 金融科技对传统普惠金融影响研究[J]. 现代财经(天津财经大学学报), 2020, (1): 56-70. [21] 徐成江. 银行数字化转型与中小企业信贷可得性研究——兼论贷款安全和银行情绪的中介影响[J]. 金融监管研究, 2022, (12): 1-19. [22] Demirgüç-Kunt A., Huizinga H.Bank Activity and Funding Strategies: The Impact on Risk and Returns[J]. Journal of Financial Economics, 2010, 98(3): 626-650. [23] 邱晗, 黄益平, 纪洋. 金融科技对传统银行行为的影响——基于互联网理财的视角[J]. 金融研究, 2018, (11): 17-29. [24] 唐松, 伍旭川, 祝佳. 数字金融与企业技术创新——结构特征、机制识别与金融监管下的效应差异[J]. 管理世界, 2020, (5): 52-66+9. [25] Beck T., Demirguc-Kunt A., Peria M.Reaching Out: Access to and Use of Banking Services Across Countries[J]. Journal of Financial Economics, 2007, 85(1): 234-266. [26] 温博慧, 刘雨菲, 程朋媛. 数字金融对传统银行小微贷款影响的空间效应——基于非平衡空间计量模型的实证检验[J]. 国际金融研究, 2022, (3): 45-55. [27] 赵绍阳, 李梦雪, 佘楷文. 数字金融与中小企业融资可得性——来自银行贷款的微观证据[J]. 经济学动态, 2022, (8): 98-116. [28] 罗煜, 崔书言, 旷纯. 数字化与商业银行经营转型——基于传统业务结构变迁视角[J]. 国际金融研究, 2022, (5): 34-44. |