It constructs a heterogeneous DSGE model, analyzes the promotion effect of macro policy combination on the upgrading of residents' consumption structure, and makes welfare analysis on the impact of different policy combinations on the upgrading of consumption structure, and implement accurate regulation. Research shows that structural monetary policy can promote the production of advance consumer goods and provide a material basis for the upgrading of residents' consumption structure, the mechanism of combining the taxation of high-income families with the transfer payment to low-income families can restrict the excessive high consumption of high-income families and promote the upgrading of the consumption structure of low-income families. It can also provide sufficient sources of regulation funds and reduce the regulation cost of the government. Welfare analysis can measure the optimal degree of macro policy portfolio. It is suggested to design a macro-control mechanism combining structural monetary policy and tax transfer payment policy, and carry out accurate regulation from the supply side and demand side to promote the upgrading of the consumption structure.