By constructing the index of agricultural intelligence level and using the dual fixed effect model, this paper empirically tests the effect of digital inclusive finance on smart agriculture.The findings are as follows.From the perspective of direct mechanism, digital inclusive finance has a significant positive promoting effect on smart agriculture. From the perspective of indirect mechanism, technological innovation plays a partial intermediary role in the impact of digital inclusive finance on the development of smart agriculture;The scale of agricultural operation plays a moderating role.Heterogeneity analysis found that digital financial inclusion has regional and dimensional heterogeneity on the development of smart agriculture.