本文在相关理论与中国出口贸易发展现状分析的基础上，选取中国市级2011-2017年数字普惠金融与各行业出口数据作为实证分析对象，探究普惠金融对地区出口贸易技术水平的影响。首先，本文计算各市的出口贸易技术水平，通过基准回归模型分析普惠金融在出口技术创新过程中发挥的效用，探究普惠金融影响出口贸易技术水平的理论机制，并进行稳定性检验。研究结果显示：普惠金融发展水平能够显著影响全国出口贸易技术复杂度；机制检验表明，基础设施建设水平在普惠金融与出口技术水平之间发挥了中介作用；分区域的异质性检验表明，普惠金融的作用存在明显的区域异质性，普惠金融对不同地区的出口贸易技术水平有着显著差异性，其中对于西部地区出口贸易技术水平受到普惠金融的影响作用较为显著。基于上述理论分析和实证研究，本文从优化数字经济和普惠金融发展环境、推动普及数字化技术教育、支持创新和创业和强化普惠金融监管几个方面提出政策建议。本文在相关理论与中国出口贸易发展现状分析的基础上，选取中国市级2011-2017年数字普惠金融与各行业出口数据作为实证分析对象，探究普惠金融对地区出口贸易技术水平的影响。首先，本文计算各市的出口贸易技术水平，通过基准回归模型分析普惠金融在出口技术创新过程中发挥的效用，探究普惠金融影响出口贸易技术水平的理论机制，并进行稳定性检验。研究结果显示：普惠金融发展水平能够显著影响全国出口贸易技术复杂度；机制检验表明，基础设施建设水平在普惠金融与出口技术水平之间发挥了中介作用；分区域的异质性检验表明，普惠金融的作用存在明显的区域异质性，普惠金融对不同地区的出口贸易技术水平有着显著差异性，其中对于西部地区出口贸易技术水平受到普惠金融的影响作用较为显著。基于上述理论分析和实证研究，本文从优化数字经济和普惠金融发展环境、推动普及数字化技术教育、支持创新和创业和强化普惠金融监管几个方面提出政策建议。

On the basis of relevant theories and analysis of the current situation of China's export trade development, this paper selects China's municipal-level digital inclusive finance and export data of various industries from 2011 to 2017 as the empirical analysis object to explore the impact of inclusive finance on the technical level of regional export trade. First of all, this paper calculates the technical level of export trade in each city, analyzes the effect of inclusive finance in the process of export technology innovation through the benchmark regression model, explores the theoretical mechanism of inclusive finance affecting the technical level of export trade, and conducts a stability test. The research results show that: the development level of inclusive finance can significantly affect the technical complexity of national export trade; the mechanism test shows that the level of infrastructure construction plays an intermediary role between inclusive finance and the level of export technology; the sub-regional heterogeneity test shows that , the effect of inclusive finance has obvious regional heterogeneity, inclusive finance has significant differences in the level of export trade technology in different regions, and the impact of inclusive finance on the level of export trade technology in the western region is more significant. Based on the above theoretical analysis and empirical research, this paper puts forward policy recommendations from the aspects of optimizing the development environment of the digital economy and inclusive finance, promoting the popularization of digital technology education, supporting innovation and entrepreneurship, and strengthening the supervision of inclusive finance.