小微企业是国家经济发展不可或缺的组成部分，却在当前经济形势下面对融资渠道狭窄、融资成本高的难题。随着数字化技术的普及，商业银行的服务方式发生了革命性变化，不断提高的数字化服务水平高效促进了银行业实现金融产品、经营模式和业务流程的创新，也为商业银行更好地为小微企业提供融资服务奠定了基础。本文以多家商业银行为研究对象，结合理论分析与实证分析探究商业银行数字化服务对小微企业融资成本的影响，最后以研究结论为出发点，提出针对不同主体的发展建议，旨在促进数字化服务的发展，从而更好地服务于小微企业。

Under current economic situation, small and micro enterprises, which are an indispensable part of national economic development, are facing many problems such as narrow financing channels and high financing costs. With the popularization of digital technology, the service mode of commercial banks has undergone revolutionary changes. The increasing level of digital services has efficiently promoted the innovation of financial products, business models and business processes in the banking industry, and also laid the foundation for commercial banks to better improve the financing conditions of those enterprises. This paper takes a number of commercial banks as the research object, combines theoretical analysis and empirical analysis to explore the impact of digital services of commercial banks on the financing costs of small and micro enterprises, and finally, starting from the research conclusions, puts forward development suggestions for commercial banks, small and micro enterprises and the government, aiming at promoting the development of digital services, so as to better serve small and micro enterprises.