目 录引言..........................................................................................................................................2一、我国互联网消费信贷概述...............................................................................................2（一）互联网消费信贷及其特点...................................................................................2（二）互联网消费信贷的模式.......................................................................................3（三）互联网消费信贷的发展现状...............................................................................4二、蚂蚁花呗的发展现状.......................................................................................................5（一）蚂蚁花呗产品概述...............................................................................................51.“蚂蚁花呗”发展历程...........................................................................................52.“蚂蚁花呗”贷款到期日和还款方式...................................................................62.“蚂蚁花呗”贷款的发放和支付方式...................................................................7（二）蚂蚁花呗的应用情况...........................................................................................8（三）蚂蚁花呗的发展优势分析.................................................................................10（四）蚂蚁花呗的发展劣势分析.................................................................................111.政策劣势..............................................................................................................112.经济劣势..............................................................................................................113.社会因素劣势......................................................................................................124.技术因素劣势......................................................................................................12三、蚂蚁花...
