Abstract
At present, the world is facing unprecedented major changes over the years. The international situation is unpredictable. The uncertainties in China's economic development and the instability of regional development continue to rise. The development of Bengbu is facing new opportunities, new requirements and challenges. The report of the 19th National Congress pointed out that China's economic development mode has entered a high-quality development stage. Optimizing the layout of various industries and transforming the growth engine are important strategic tasks related to the entire national economy. Digital finance can reduce the financing constraints and information asymmetry level of small and medium-sized enterprises in Bengbu, and effectively improve the R&D investment level of small and medium-sized enterprises in Bengbu. In addition, the coverage dimension of digital inclusive finance plays a major role in promoting the R&D innovation of small and medium-sized enterprises in Bengbu, easing the financing constraints of enterprises, and reducing the degree of information asymmetry, and has a huge role in promoting the R&D investment of small and medium-sized enterprises in Bengbu. This paper will conduct research and analysis on this basis and put forward relevant policy recommendations.
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