提高居民消费水平是扩大内需和促进经济可持续增长的重要途径，是构建国内经济大循环战略的应有之义。数字普惠金融借助大数据信息技术和创新传统金融服务，增强金融普惠性，刺激居民消费增长。选取2011—2020年我国31个省域面板数据，构建固定效应模型，研究数字普惠金融及其一级维度对我国城镇居民消费的影响。通过建立中介效应模型，考察产业结构在数字普惠金融对城镇居民消费影响的作用机制。研究结果表明：数字普惠金融及其一级维度和产业结构升级均对城镇居民消费存在支持效应；作用机制分析得出，数字普惠金融可以通过产业结构升级间接促进城镇居民消费；异质性分析发现，数字普惠金融对沿海、内陆和边远地区城镇居民消费支持效应依次降低。

Raising the level of consumption is an important way to expand domestic demand and promote sustainable economic growth, and it is an important part of the strategy to build a large domestic economic cycle. With the help of big data information technology and innovative traditional financial services, digital inclusive finance can enhance financial inclusion and stimulate the growth of residents' consumption. Based on the panel data of 31 provinces in China from 2011 to 2020, this paper constructs a fixed effect model to study the impact of digital inclusive finance and its first-level dimensions on the consumption of urban residents in China. By building a mediation model, the role of industrial structure in the impact mechanism of digital inclusive finance on urban residents' consumption is examined. The results show that digital inclusive finance, its first-level dimensions and industrial structure upgrading all have supporting effects on urban residents' consumption; the analysis of the role mechanism shows that digital inclusive finance can indirectly promote urban residents' consumption through industrial structure upgrading; the heterogeneity analysis finds that the supporting effect of digital inclusive finance on the consumption of urban residents in coastal, inland, and remote areas decreases in turn.