RT Journal T1 Digital finance, SME debt financing and creditor heterogeneity A1 CHEN Lian, YI Lu, CHEN Qiang PB Journal of Guizhou University of Finance and Economics FD 2021-09-15 YR 2021 JF Journal of Guizhou University of Finance and Economics JO Journal of Guizhou University of Finance and Economics VO 39 IS 05 SP 53 DO K1 Digital finance;small and medium-sized enterprises;Debt financing costs;Creditor heterogeneity LK {https://gcxb.gufe.edu.cn/EN/article/article_9298.shtml}