关键词: 农村贫困, 数字普惠金融, 金融扶贫, 教育投入

Abstract: Based on the 2011—2018 panel data of China’s 31 provinces（municipalities directly under central government，and autonomous regions），this paper studies the poverty reduction effect of digital financial inclusion，as well as the function of digital financial inclusion in poverty reduction under different educational backgrounds. The results are as follows：1. Digital financial inclusion has a positive effect on poverty reduction. 2. Educational level has a positive role in poverty alleviation by digital financial inclusion，with a unitary threshold eigenvalue nationwide；beyond the threshold eigenvalue，the poverty reduction effect of digital financial inclusion rises remarkably. Due to regional differences，the poverty alleviation effect is the best in the western area，followed by the eastern area and the mid-eastern area. Since educational level plays an important role in the poverty alleviation system of digital financial inclusion，educational input，the popularization of financial knowledge in poor areas，and the publicity of digital financial inclusion products should be strengthened.

Key words: rural poverty, digital financial inclusion, financial poverty alleviation, educational input