中文摘要：

在目前我国政府大力推动普惠金融发展的时期，服务于微型借贷的金融业务蓬勃发展（包括数字金融），但服务于中小企业的金融业务却开始萎缩。为了观察是否存在“消失的中间段”现象，本文运用相关数据进行分析，发现中国信贷资源配置中存在更加不利于中小企业的现象，也因此有更大发展空间。

英文摘要：

The Chinese government has been vigorously promoting the development of inclusive finance and micro-lending services （including digital finance）. Nevertheless, despite these efforts, financial services for small and medium enterprises have begun to shrink. In an effort to evaluate what has sometimes been called the ＂missing middle segment,＂ this paper examines relevant data and concludes that credit resource allocation is unfavorable to the nation＇s small and medium enterprises. It finds, however, that there is considerable room for business development in this segment of the market