近年来，随着全球经济放缓，国内经济下行压力增大，培养完整内需体系、促进消费升级逐渐成为拉动我国经济增长的“主动力”。然而，在经济稳步发展的同时，发展不均衡不充分问题依旧突出，当研究经济不平等时，大多数研究从收入不平等入手，而消费则更能精准衡量国家的福利水平，因此消费不平等问题是体现经济发展不平等的重要问题。自从2015年正式引入数字普惠金融概念以来，我国数字普惠金融不断发展，数字普惠金融在推动经济高质量发展、缓解金融资源分布不均等方面做出突出贡献。因此探讨数字普惠金融对我国消费不平等的影响，能够为拉动国内消费内需、促进经济均衡发展提供新思路。

在梳理已有文献基础上，为探究数字普惠金融对于消费不平等的影响，本文先使用Zenga指数测度我国家庭消费不平等，并探究其结构和来源，再使用回归模型和中介效应模型，实证研究数字普惠金融对消费不平等的影响及机制。

在已有消费不平等测度上，常用基尼系数、泰尔系数等传统测度方法。本文则考虑到Zenga指数的强分解性，使用2019年中国家庭金融调查的微观家庭数据，采用Zenga指数测度我国消费不平等程度，并基于子群和子要素进行分解以研究消费不平等的结构和来源。结果表明：我国家庭人均消费不平等Zenga指数高达0.832；从子群分解来看，城镇家庭人均消费不平等程度高于农村家庭，东部地区家庭人均消费不平等高于其他地区；从子要素分解来看，食品消费、居住消费和医疗保健消费不平等贡献程度最高，合计贡献60%的消费不平等程度。在研究数字普惠金融对消费不平等的影像上，本文使用北京大学数字普惠金融指数，结合Zenga指数测度出的消费不平等，通过多元线性回归模型对两者关系进行分析。结果发现：数字普惠金融在一定程度上能够减缓我国家庭人均消费不平等，且数字普惠金融可以通过减缓收入不平等以及对居民消费产生边际影响差异这两种方式来降低消费不平等。分地区来看，数字普惠金融对于东部地区的消费不平等的抑制效果更强，西部地区次之。

最后，本文基于上述实证分析结果，结合目前数字普惠金融发展显著，提出针对性建议：一是加大数字普惠金融发展投入力度，注重区域金融差异化发展；二是拉动国内消费内需，加快消费提质升级，减缓消费不平等。

In recent years, with the global economic slowdown and the increasing downward pressure on the domestic economy, the cultivation of a complete domestic demand system and the promotion of consumption upgrading have gradually become the "main driving force" of China's economic growth. However, while the economy is developing steadily, the problem of unbalanced and inadequate development is still prominent. Therefore, consumption inequality is an important issue reflecting the inequality of economic development. Since the concept of digital financial inclusion was officially introduced in 2015, digital financial inclusion has been developing continuously in China. Digital financial inclusion has made outstanding contributions to promoting high-quality economic development and alleviating the unequal distribution of financial resources. Therefore, exploring the impact of digital inclusion finance on consumption inequality in our country can provide a new way to stimulate domestic consumption demand and promote balanced economic development.

Based on the review of existing literature, in order to explore the influence of digital inclusion finance on consumption inequality, this paper first uses Zenga index to measure domestic household consumption inequality, and analyzes the consumption inequality to explore its structure and sources, and then uses regression model and intermediary effect model to empirically study the influence and mechanism of digital inclusion finance on consumption inequality.

Traditional measurement methods such as Gini and Theil coefficient are commonly used to measure consumption inequality. Considering the strong decomposition of Zenga index, this paper uses the Zenga Index to measure consumption inequality in China using the micro household data of the 2019 Chinese household finance survey, and analyzes the structure and sources of consumption inequality based on subgroups and subfactors. The results showed that household consumption inequality Zenga index was as high as 0.832; the consumption inequality of urban households is higher than that of rural households, and that of eastern households is higher than that of other regions. From the perspective of sub-factor decomposition, food consumption, housing consumption and health care consumption contributed the highest degree of inequality, accounting for 60% of the consumption inequality. In order to study the effect of digital inclusion finance on consumption inequality, this paper uses the Peking University digital inclusion Finance Index combined with the consumption inequality measured by Zenga Index, and analyzes the relationship between them by multiple linear regression model. The results show that digital financial inclusion can mitigate household consumption inequality to a certain extent, and digital financial inclusion can reduce consumption inequality by alleviating income inequality and producing marginal impact difference on residents' consumption. In terms of regions, digital financial inclusion has a stronger inhibitory effect on consumption inequality in the eastern region, followed by the western region.

Finally, based on the above empirical analysis results and the current significant development of digital inclusive finance, this paper puts forward specific suggestions: first, increase investment in the development of digital inclusive finance and pay attention to the differentiated development of regional finance; Second, we will boost domestic consumption, accelerate the improvement and upgrading of consumption, and reduce consumption inequality.