Taking the relevant panel data of 31 provinces （autonomous regions and cities） in China from 2011 to 2020 as the research sample, this paper establishes a spatial econometric model based on the assumption of spatial heterogeneity, and makes a quantitative analysis on the spatial impact effect of Digital Inclusive Finance on Regional Innovation Ability and its sub dimension and sub regional heterogeneity characteristics. Relative research results indicate that Regional Innovation Ability and Digital Inclusive Finance both have spatial positive correlation; And then Digital Inclusive Finance is definitely helpful to technological innovation, but it will have a negative spatial spillover effect on adjacent provinces. This conclusion is significantly established in the eastern, central and western regions, and the “siphon effect“ is more prominent in the Western region. At the same time, the results of sub dimensional heterogeneity analysis show that the coverage and using depth can effectively promote the improvement of Regional Innovation Ability, but whether there is a spatial spillover effect is uncertain. In addition, the regression results of the threshold effect model based on the nonlinear hypothesis show that the impact of Digital Inclusive Finance on Regional Innovation Ability increases with the improvement of its own development and human capital level.