This paper uses the dynamic panel fixed effect model system to explore the influence of financial structure and information technology on independent innovation and regional differences, and further investigates the moderating effect and intermediary effect. The results show that direct financing can promote the level of independent innovation, indirect financing is an effective financing method in the western development region, but indirect financing has a lag in supporting the level of independent innovation. The development of information technology can improve the level of independent innovation, and can positively adjust the promoting effect of direct financing on the level of independent innovation, also promote the level of independent innovation by increasing human capital input. Different from the eastern and central regions, the pulling potential of the information technology level on the level of independent innovation in the western region has not been effectively released.
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