Yang, J. ., Y. . Zhang, J. . Gong, and T. . Liu. “HOW DOES FINTECH DEVELOPMENT AFFECT FINANCING CONSTRAINTS OF SMES? EVIDENCE FROM CHINA”. ECONOMICS - INNOVATIVE AND ECONOMICS RESEARCH JOURNAL, vol. 12, no. 3, Nov. 2024, pp. 1-32, doi:10.2478/eoik-2024-0031.