This article focuses on how digital inclusive finance empowers the development of Liaoning’s marine economy. The research shows that while digital inclusive finance in Liaoning Province has grown rapidly in recent years, it still faces shortcomings in usage depth and coverage breadth. At present, digital inclusive finance has a significant empowering effect on Liaoning’s marine economy, but challenges remain, including insufficient coverage and limited application of infrastructure, imperfect data governance and risk control systems for the marine economy, and a mismatch between digital financial products and the needs of the marine industry. To address these issues, the article proposes optimized pathways for digital inclusive finance to support Liaoning’s marine economy: improving digital financial infrastructure to enhance service accessibility and efficiency; strengthening marine economic data governance to build an intelligent risk control system; innovating digital financial products to better align with industrial demands.