This study investigates whether the use and ownership of information and technological amenities by SMEs enhance their access to external credits. The data on the website ownership of, and email usage by 6805 firms in the emerging South-East Asian (SEA) markets collected from the World Bank Group Enterprise Survey (WBES) micro-database served as our sample. We used a random-effect panel logistic regression model for the baseline data analysis. Our results show that the usage of ICT-based services contributes to access to external credit facilities by SMEs, enhancing their financial inclusion. Our findings suggest that policymakers should focus on improving technological infrastructure and amenities that help dissipate opacity and information asymmetry in supplying credit to SMEs in emerging markets.

这项研究调查了中小型企业对信息和技术便利设施的使用和所有权是否会增加其获得外部信贷的机会。我们从世界银行集团企业调查（WBES）微型数据库中收集了新兴的东南亚（SEA）市场中6805家公司的网站所有权和电子邮件使用情况的数据，作为我们的样本。我们使用随机效应面板逻辑回归模型进行基线数据分析。我们的结果表明，基于ICT的服务的使用有助于中小型企业获得外部信贷便利，从而增强了其金融包容性。我们的研究结果表明，决策者应集中精力改善技术基础设施和便利设施，以帮助消除向新兴市场中的中小企业提供信贷时的不透明性和信息不对称性。