近年来我国数字普惠金融发展迅速，但其在减贫方面的贡献以及巩固脱贫成果的作用及其机制有待研究。本文利用2015年、2017年以及2019年中国家庭金融调查数据，借助构建“贫困脆弱性”这一评估指标，并结合中国数字普惠金融指数，探究数字普惠金融对于中国家庭脱贫质量的影响。文章发现，数字金融的发展情况与中国家庭贫困脆弱性程度之间存在显著负相关，可以有效地降低家庭陷入贫困的风险，进而巩固我国的脱贫成果。此外，考虑了内生性问题后，研究结果仍得到了进一步验证。就地域而言，数字普惠金融的发展对城镇和农村家庭的贫困脆弱性都有一定的缓解作用。研究发现，与东部和中部相比，西部地区的普惠金融发展能更加显著地达到降低贫困脆弱性的效果。机制分析显示，数字普惠金融可以提高居民的金融素养，从而减轻家庭贫困脆弱性。为了加强我国的脱贫质量，本文建议在发展数字普惠金融方面下大力气，同时宣传和推广互联网金融，并完善数字金融的基础设施建设，扩大覆盖范围，并提高家庭的金融素养。

In recent years, China has witnessed rapid development in digital financial inclusion. However, its contribution to poverty alleviation, its role in consolidating poverty alleviation outcomes. Drawing on data from the China Household Finance Survey conducted in 2015, 2017, and 2019, this paper explores the impact of digital financial inclusion on the quality of household poverty alleviation. It achieves this by constructing a poverty vulnerability indicator and integrating it with the China Digital Financial Inclusion Index. The study reveals that the advancement of digital finance effectively reduces the poverty vulnerability of households, thereby reducing the likelihood of future poverty and aiding in the consolidation of China's poverty alleviation achievements. For the part of mechanism analysis, it suggests that digital financial inclusion mitigates household poverty vulnerability by enhancing residents' financial literacy. Accordingly, the recommendations put forth in this paper advocate for the vigorous promotion of digital inclusive finance, the dissemination of internet finance, elevation of family financial literacy, and the reinforcement of poverty alleviation quality in China.