Digital inclusive finance is an important way to promote high-quality economic development and achieve consumption expansion and upgrading. It is found that digital inclusive finance can significantly improve the consumption level of households in China and the western region by using CHFS (China Household Finance Survey) micro household data, and digital inclusive finance can help household consumption through the intermediary mechanism of improving household income and regional digitalization. In order to make digital inclusive finance better realize the expansion and upgrading of consumption, on the one hand, it is necessary to increase policy support and promote the construction of digital infrastructure; On the other hand, it is necessary to improve the consumption and financial consumption concepts of households.

digital financial inclusion  /  household consumption  /  household income  /  western region