Abstract: The upgrading of industrial structure is an important way to achieve high-quality economic development. The economic development of resource-based cities is highly dependent on resources, and the problem of unreasonable industrial structure is prominent. Therefore, digital inclusive finance supports the upgrading of industrial structure to achieve high-quality economic development of resource-based cities. This paper chooses resource-based cities in China as the research object, based on the panel data of 111 prefecture-level resource-based cities from 2011 to 2021, uses the benchmark regression model to verify the impact of digital financial inclusion on the upgrading of industrial structure in resource-based cities, takes technological innovation as the intermediary variable and use the intermediary model to test the mechanism of digital inclusive finance on the upgrading of industrial structure in resource-based cities. The results show that digital inclusive finance plays a significant role in promoting the upgrading of industrial structure in resource-based cities, and digital inclusive finance not only directly promotes the upgrading of industrial structure, but also promotes the upgrading of industrial structure through technological innovation. From a regional perspective, digital inclusive finance can significantly promote the upgrading and rationalization of the industrial structure of resource-based cities in the central region, promote the upgrading of industrial structure of resource-based cities in the eastern and northeastern regions, but has no significant effect on the upgrading of industrial structure of resource-based cities in the western region. From the perspective of development stage, digital inclusive finance can promote the upgrading of industrial structure of mature declining and regenerative resource-based cities, promote the rationalization of the industrial structure of growing resource-based cities. According to the research conclusion, some suggestions are put forward from the aspects of digital inclusive finance promoting the upgrading and rationalization of the industrial structure of resource-based cities and improving the technological innovation of resource-based cities, to accelerate the upgrading of the industrial structure in resource-based cities.