The paper investigates the impact of digital inclusive finance on rural households' entrepreneurial behavior. It first constructs a theoretical model of rural entrepreneurship incorporating digital inclusive finance, demonstrating that the information advantages of digital technology enhance financial institutions' ability to assess client risk, expand the boundaries of credit markets, and lower borrowing costs for rural households. Fintech companies, possessing stronger information advantages and risk identification capabilities, are thus better positioned to serve high-risk groups in the traditional credit market, albeit at relatively higher interest rates. The paper further tests the model's implications using micro-level data from the 2023 "Thousand Villages Survey" conducted by Shanghai University of Finance and Economics. The empirical results show that digital inclusive finance significantly increases both the entrepreneurial willingness and the likelihood of entrepreneurship among rural households. Compared to traditional financial institutions, digital technology plays a more critical role in supporting rural lending services offered by fintech firms. However, the use of digital inclusive finance is accompanied by a “digital divide,” with its positive effects on entrepreneurship more pronounced among groups with credit advantages—such as males, residents of economically developed regions, and high-income households.