PBESProceedings of Business and Economic Studies2209-26412209-265XBio-Byword Scientific Publishing Pty. Ltd.10.26689/pbes.v8i2.10322ArticleResearch on Alleviating the Financing Constraints of Small and Micro Enterprises in Hainan under the Background of Digital Inclusive Financehttps://artdesignp.com/journal/PBES/8/2/10.26689/pbes.v8i2.10322LiuYanling,LiYun2025822025-04-28With the establishment of Hainan Free Trade Port, the small and medium-sized enterprises in Hainan Free Trade Port have developed and grown in the continuously optimized enterprise environment. The continuous establishment of a large number of small and micro enterprises makes its social and economic development play a non-negligible role. However, due to the small size and insufficient economic strength of small and micro enterprises, their status in the financial system is often very humble. Therefore, under normal circumstances, small and micro enterprises are faced with financing difficulties and high costs, which has a great side effect on their development. The proposal and continuous development of digital inclusive finance, so that small and micro enterprises in access to a wide range of financing opportunities at the same time, their financing methods are more convenient than in the past, the cost is getting lower and lower. This paper deeply discusses the role of digital inclusive finance in easing the financing constraints of small and micro enterprises and puts forward corresponding suggestions.

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