We measure the microwave surface resistance R-S at 24 GHz in BSCCO fil
ms of different thickness on two different substrates: LaAlO3 and SrTi
O3. One of the films deposited on LaAlO3 presents an anomalous peak in
R, at a temperature close to the transition temperature. The film dep
osited on SrTiO3 presents multiple peaks as a function of the temperat
ure. We show that both effects can be ascribed to substrate effects, i
nstead of physical phenomena in the superconducting films. To reflect
the actual experimental setup, we develop a simplified model for the m
icrowave surface resistance of thin superconducting film deposited ont
o a dielectric substrate backed by a metal. We show that at characteri
stic frequencies, dependent on the substrate material, the commonly us
ed thin film approximation fails even for films thinner than the Londo
n penetration depth. With this model, supplemented with a two-fluid ex
pression for the conductivity, the single peak in the film deposited o
nto LaAlO3 and the multiple peaks of the SrTiO3-deposited film find a
quantitative explanation. The results demonstrate that the effects of
the substrate on the measured R-S of superconducting thin films must b
e taken into account.