摘要目前，我国的消费市场正处于高速发展阶段，2016年网上零售额51556亿元，比上年增长26.2%。其中网上商品零售额41944亿元，增长25.6%，占社会消费品零售总额的比重为12.6%。同时，城镇居民的人均可支配收入也逐年增加，2016年已达到33616元，为互联网金融消费的发展打下了基础。2015年之后，互联网消费金融的发展进入到了应用成熟期，此时互联网消费金融已获得了极高的市场认可度，识别度较高的品牌和企业也已初步形成，进入了平稳发展阶段。对互联网消费金融的发展背景、发展过程、发展现状、存在的风险和监管措施进行研究，不仅可以对我国互联网金融的发展进行全面细致的了解，还可以发现监管中存在的问题，进而提出合理的监管建议，既可以丰富我国互联网消费金融的理论研究，由有利于我国互联网消费金融行业的健康发展，对我国互联网消费金融的发展具有理论和实践意义。本文首先对消费金融的发展进行回顾，比对分析了传统金融与消费金融的分别；接着从产业和市场分析了我国的互联网消费金融的发展背景。我国互联网消费金融的模式以消费金融公司、互联网金融公司和电商平台为主；从市场规模、融资热度、资产证券化和持牌公司四个角度分析了我国互联网消费金融市场的现状；通过对发展现状的分析，找出了互联网消费金融发展中的问题：法律风险、操作风险和信息风险。互联网消费金融未来面临的挑战：法律政策体系需进一步完善、风险检测体系亟待加强、征信系统的有效性的挑战、风险资本涌入过度；并提出了相应的监管措施：完善法律监管体系、实行从业主体评级、大数据助力征信、扩宽融资渠道、降低市场准入门槛。关键词：互联网金融；消费金融；监管；风险；大数据ABSTRACTAtpresent,China'sconsumermarketisinahigh-speeddevelopmentstage,2016onlineretailsalesof5155600000000yuan,thangoingupyearofgrowth26.2%.Ofwhichonlinecommodityretailsalesof4194.4billionyuan,anincreaseof25.6%,accountingfortheproportionoftotalretailsalesofsocialconsumergoods12.6%.Atthesametime,percapitadisposableincomeofurbanresidentshasincreasedyearbyyear,2016hasreached33616yuan,forthedevelopmentofInternetfinancialconsumptionlaidthefoundation.After2015,thedevelopmentofInternetconsumerfinancehasenteredthematurityoftheapplication,thistimetheInternetconsumerfinancehasbeenaveryhighdegreeofmarketrecognition,higherrecognitionofthebrandandbusinesshastakenshape,enteredastablestageofdevelopment.ThedevelopmentoftheInternetconsumerfinancebackground,thedevelopmentprocess,thedevelopmentofthestatusquo,theexistenceofrisksandregulatorymeasurestostudy,notclosetothedevelopmentofChina'sInternetfinanceacomprehensiveanddetailedunderstandingoftheregulatoryproblemscanalsobefound,andthenputforwardareasonable,WhichcanenrichthetheoreticalresearchofInternetconsumptionfinanceinChina,whichisbeneficialtothehealthydevelopmentofChina'sInternetconsumerfinanceindustryandhastheoreticalandpracticalsignificanceforthedevelopmentofInternetconsumptionfinanceinChina.Firstofall,thedevelopmentofconsumerfinanceisreviewed,comparedwiththeanalysisofthetraditionalfinancialandconsumerfinancerespectively.China'sInternetconsumerfinancemodeltoconsumerfinancecompanies,Internetfinancecompaniesandbusinessplatformmainlyfromthemarketsize,financingheat,assetsecuritizationandlicensingcompaniestoanalyzethefouraspectsofChina'sInternetconsumerfinancialmarketstatus;throughtheanalysisofthedevelopmentofthestatusquo,tofindouttheproblemsofInternetconsumerfinancedevelopment:thelegalpolicysystemneedstobefurtherimproved,theriskdetectionsystemneedstobestrengthened,theeffectivenessofcreditsystemchallenges,theinfluxofriskcapital;andputforwardthecorrespondingOftheregulatorymeasures:improvethelegalsupervi...
