In response to the reality that the scale of education financial investment in China continues to expand but the quality of socioeconomic advancement has not improved synchronously, and the imbalance of education investment structure restricts high-performance development, the present research takes panel data from 30 provinces in China from 2011 to 2022 as samples, uses entropy weight method to measure the level of high-performance socioeconomic advancement, constructs a two-way fixed-effect terms model to conduct benchmark regression, and uses methods such as lagging core variables, removing special samples, and replacing the dependent variable to conduct robustness tests. Combined with grouped regression, it reveals regional heterogeneity, and uses threshold models to test the nonlinear moderating effect of Digital-based inclusive finance. The results indicate that an investment structure biased towards higher education has a significant inhibitory effect on high-performance socioeconomic advancement, and Digital-based inclusive finance can markedly positively regulate the relationship between the two, effectively alleviating the inhibitory effect; Heterogeneity analysis shows that the inhibitory effect is significant in the central and western regions, not significant in the eastern region, and the positive regulation of Digital-based inclusive finance is only significant in the eastern region; There are dual thresholds for Digital-based inclusive finance, and once the upper threshold is crossed, the impact of education investment structure on high-performance development shifts from negative to positive.
