Abstract: Ensuring national food security is a matter of paramount importance for the country. Enhancing the resilience of grain production is a key link in building a solid food security barrier. Digital inclusive finance, as an important form of financial service innovation, can play a role in strengthening the resilience of grain production through technological penetration and optimization of resource allocation. This is an important issue for achieving agricultural modernization and rural revitalization. Based on the panel data of major grain-producing areas from 2011 to 2023, this paper measures the level of grain production resilience using the entropy-TOPSIS method and explores the mechanism of the impact of digital inclusive finance on grain production resilience through fixed effects, mediating effects, and threshold effects. The results show that: (1) The digital inclusive finance index and its three sub-dimensions all significantly enhance the resilience of grain production, among which the promotion effect of coverage breadth is the most prominent, followed by the effect of usage depth, and the impact of digitalization degree is relatively weak; (2) Agricultural technological innovation is an important transmission channel for the impact of digital inclusive finance on the resilience of grain production, playing a partial mediating role between the two; (3) There is a threshold effect of the urbanization level in the process of digital inclusive finance affecting the resilience of grain production. As the urbanization level increases, the effect of digital inclusive finance shows an inverted U-shaped feature. Therefore, further promoting the development of digital inclusive finance, promoting agricultural technological innovation, and coordinating urbanization development are of great practical significance for enhancing the resilience of grain production and ensuring national food security