The development of digital inclusive finance has become more and more mature in recent years, and there have been a series of new developments such as digital finance and financial technology. Digital transformation is also underway. The impact of digital inclusive finance on the operational efficiency of SMEs from the perspective of the asset turnover rate of SMEs is studied . The results show that when the operating efficiency of small and medium-sized enterprises is measured by the asset turnover rate, the impact of digital inclusive finance is positive, and after verifying the intermediary effect of financing constraints, the conclusion is also established. The rational use of digital inclusive finance by SMEs can not only speed up capital turnover, but also accelerate digital transformation under the impetus of technology.