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The emergence and development of digital finance is a major change in the financial field and an important part of the information revolution. This book comprehensively expounds and evaluates the origin, history and effects of China's digital finance development, and uses digital finance related models and data to discuss, analyze, and study the status quo of China's digital finance development, and measure the development of digital finance，regional differences, the impact of the development of digital finance on residents’ income, consumption and economic activities, and the trickle-down effect of the development of digital finance in the face of the Internet (digital) divide, trying to systematically review the development of digital finance to China in the past decade.