内容摘要如今互联网金融消费信贷模式获得了快速发展，在众多产品当中，“蚂蚁花呗”脱颖而出，在我国消费金融市场当中占据了较大的份额，并且也对我国的消费金融市场带来了一定的影响，对于经济发展起到正面作用。
如今我国的互联网消费信贷平台正在不断增多，信贷产品的类型也呈现了多元化的特征。
不难预测在未来的几年当中，互联网消费信贷企业还将会有进一步的发展。
但是我们也必须关注到如今市场上的消费信贷产品还是会引发若干问题，存在完善的空间。
因此要更加重视风险，促进企业经济健康发展。
以“蚂蚁花呗”为代表的信贷消费模式从某种程度上而言可以使许多消费者的信贷需求得到满足，然而也会引发若干风险。
本文以“蚂蚁花呗”为例，分析其概况和现状，以及企业现有经济发展管理模式所蕴含的风险。
本文以互联网消费信贷产品这一命题的研究意义作为开篇，之后对于互联网消费信贷产品的概念和特征进行介绍，点名该类产品在未来可能会呈现的发展趋势，将“蚂蚁花呗”这这一案例作为分析的对象，针对目前存在的风险，有针对性地提出防范建议。
关键词：消费信贷蚂蚁花呗互联网金融风险防控AbstractThe Internet consumer credit model has been developing rapidly, and among the many products, "Antshower" has emerged as a major player in China's consumer finance market, and has had a positive impact on the country's consumer finance market. Nowadays, the number of Internet consumer credit platforms in China is increasing and the types of credit products are also diversified. It is easy to predict that in the coming years, the Internet consumer credit companies will have further development. But we must also be concerned that consumer credit products on the market today still raise several problems and there is room for improvement. Therefore, it is important to pay more attention to the risks and promote the healthy development of the business economy. In some ways, the consumer credit model represented by "AntPay" can satisfy the credit needs of many consumers, but it can also lead to a number of risks. In this paper, we analyze the overview and current situation of the "AntPay" as an example, as well as the risks associated with the current economic development management model. The paper begins with the significance of the proposition of Internet consumer credit products, then introduces the concept and characteristics of Internet consumer credit products, names the possible future development trends of these products, and takes the case of "Antshower" as the object of analysis, and makes targeted recommendations to prevent the current risks. The case of "Antshower" is analyzed, and recommendations are made to prevent the risks.Key words: consumer credit；antshower,；Internet finance；risk prevention and control目录前言 -------------------------------------------------------------------------- 51互联网消费信贷的概述 ------------------------------------------------------ 6 1.1互联网消费信贷定义----------------------------------- 4 1.2互联网消费信贷产品的特点----------------------------- 4 1.3互联网消费信贷的理论基础----------------------------- 5 1.4互联网消费信贷的发展现状 ---------------------------- 72“蚂蚁花呗”发展现状及与同类产品比较分析------------------------- 8 2.1“蚂蚁花呗”产品概述--------------------------------- 8 2.1.1“蚂蚁花呗”的交易和使用流程 ------------------------------------ 8 2.1.2“蚂蚁花呗”发展的理论和技术支持-------------------- 8 2.2“蚂蚁花呗”的发展现状及其快速发展的原因分析 --------- 9 2.3“蚂蚁花呗”与信用卡和“京东白条”的比较分析 -------- 113“蚂蚁花呗”面临的风险分析---------------------------------------------- 8 3.1信用风险 -------------------------------------------- 9 3.2法律风险 ------------------------------------------- 12 3.3技术风险 ------------------------------------------- 134“蚂蚁花呗”风险管理模式分析----------------------------------------- 10 4.1“蚂蚁花呗”风险管理模式的特点分析------------------ 10 4.2“蚂蚁花呗”与其他消费信贷产品风险管理模式的比较 ---- 10 4.3“蚂蚁花呗”风控管理模式面临的主要问题-------------- 14 4.4“蚂蚁花呗”信用风险的应对-------------------------- 11 4.5“蚂蚁花呗”法律风险的应对-------------------------- 15 4.6“蚂蚁花呗”技术风险的应对-------------------------- 165互联网消费信贷行业的风控建议与总结 ------------------------------- 16参考文献-------------------------------------------------------------------- 17致谢 --------------------------------------------------------------------------- 20前言最近几年，得益于经济的高速发展，我国的互联网消费金融业也获得了较好的发展机遇。
