【摘要】 本文基于2018年中国家庭追踪调查（CFPS）数据和省市级数字普惠金融指数，实证分析了数字普惠金融发展对我国农村消费不平等的影响。研究发现，数字普惠金融的发展可以显著缩小农村家庭的消费不平等程度，这主要是通过缩小收入不平等程度来实现的。此外，数字普惠金融的发展对农村消费不平等的影响效应在不同区域之间以及不同收入水平的家庭之间都具有显著差异。具体而言，数字普惠金融的发展对缩小东部沿海地区的农村消费不平等的效应最大，其次是西部地区，中部地区影响不显著；相对于中等收入的家庭，数字普惠金融能有效抑制高收入和低收入家庭的消费不平等。更多还原

【Abstract】 Based on the data of China Household tracking survey(CFPS) in 2018 and the provincial and municipal digital inclusive finance index, this paper empirically analyzes the impact of the development of digital Inclusive Finance on rural consumption inequality in China.The study found that the development of digital inclusive finance can significantly reduce the consumption inequality of rural households,and it is mainly achieved by reducing their income inequality. In addition, the impact of the development of digital Inclusive Finance on rural consumption inequality has significant heterogeneity among regions and families with different income levels. Specifically, the development of digital Inclusive Finance has the greatest effect on reducing rural consumption inequality in the eastern coastal region,followed by the western region, and has no significant impact on the rural areas in the central region; Compared with middle-income families, digital Inclusive Finance has a significant inhibitory effect on the consumption inequality of high-income and low-income families.更多还原