世界银行：企业信贷约束与电子支付：全球分析（英文版）

study examines the channels through which electronic payments influence firm credit constraints across 101 economies. It explores heterogeneity at the firm and aggregate levels to identify key policy and environmental factors that shape this relationship. The findings indicate that payment digitalization plays a critical role in alleviating firm credit constraints, particularly for small firms and in economies with weaker credit infrastructure and lower levels of financial development. These