摘要：This paper investigates the empowering role of inclusive finance for small and micro enterprises (SMEs) in Jining City, Shandong Province, China. In the context of globalization and economic development, SMEs are pivotal to job creation, innovation, and social stability. However, they often face challenges in accessing affordable financing. The study explores the impact of inclusive finance on reducing financing costs, expanding financing channels, and enhancing risk management capabilities for SMEs in Jining City. Through policy analysis, case studies, and a review of financial practices, the paper identifies key factors contributing to the successful empowerment of SMEs through inclusive finance. The findings suggest that government policies, financial innovation, and risk management education significantly influence the development of SMEs. The paper concludes with recommendations for policymakers, financial institutions, and SMEs to further optimize financial resource allocation and promote sustainable economic growth.