The broad inclusiveness of digital inclusive finance is essential for promoting coordinated regional development. This paper focuses on the impact of digital inclusive finance on creating county enterprises, discussing its heterogeneity in terms of region and type of entrepreneurship and revealing the mechanisms by which this set of impacts works. The methodology integrates the 2015–2020 Peking University Digital Inclusive Finance Index, business registration data from the industrial and commercial sectors and statistics from counties in Henan Province. The results show that digital inclusive finance can significantly promote the creation of county enterprises. All secondary dimension indices show positive effects; this result remains when replacing the core explanatory variables and lagged terms. Heterogeneity analysis finds no significant heterogeneity in the entrepreneurial effect of digital inclusive finance between urban and rural areas and types of entrepreneurship. The mechanism analysis finds that digital inclusive finance can promote the creation of county enterprises through two paths: improved financing and mobile payment. These findings reveal that we should use digital inclusive finance to improve the breadth and depth of financial services within the county and take advantage of its mobile payments to promote micro and small businesses.

Agricultural technology extension and social networks are the essential components of formal and informal institutions, respectively, and their influence on agricultural production has been the focus of academics. This article takes conservation tillage technology as an example, based on simple random unduplicated sampling, and uses survey data of 781 farmers in Heilongjiang, Henan, Shandong, and Shanxi provinces of China. This article empirically tests the interaction effects and heterogeneity of agricultural technology extension and social networks on farmers’ adoption of conservation tillage technology and analyzes their substitution effect or complementary effect. The results showed the following: (1) From a single dimension, both agricultural technology extension and social networks can significantly promote farmers’ adoption of conservation tillage technology, and the promotion effect of agricultural technology extension is greater. The average probability of farmers who accept agricultural technology extension and social networks adopting conservation tillage technology increases by 36.49% and 7.09%, respectively. (2) There is a complementary effect between agricultural technology extension and social networks in promoting farmers’ adoption of conservation tillage technology. The two functions complement and support each other, and this complementary effect is more evident in social networks’ reciprocity. (3) Further analysis reveals that the interaction effect between agricultural technology extension and social networks has significant group differences, technology type differences, and regional differences in farmers’ adoption of conservation tillage technology. Therefore, to facilitate the extension and application of conservation tillage technology, efforts need to be made in both agricultural technology extension and social networks, fully leveraging the complementary effects of the two. In addition, differentiated policies and measures should be adopted according to local conditions, and precise policies should be implemented for different groups and technologies.