蚂蚁花呗的消费金融模式分析

随着经济的发展和商业信用体系不断完善，以消费信贷为基础的消费金融逐渐成为我国主流金融模式之一。作为一种新型的金融模式，消费金融在扩大内需、提高消费者生活水平、支持经济增长等方面都存在着巨大的发展潜力，发挥着积极的推动作用。而互联网消费金融工具作为其中的佼佼者之一，不仅改变了传统的消费金融结构和用户的消费习惯，而且推动了普惠金融的实现。具有重要的研究意义。
本文首先介绍了消费金融的相关概念和种类，并以阿里电商旗下的消费金融产品“蚂蚁花呗”为案例，基于相关背景信息，从盈利模式、用户群体和风险控制等方面对蚂蚁花呗的业务模式进行了分析，最后，结合其自身利弊特别是现阶段存存在的问题，对其未来的发展给出了相关建议。

关键词：蚂蚁花呗 消费金融 互联网金融

Abstract

   With the development of economy and the continuous improvement of commercial credit system, the consumer finance based on the consumer credit has gradually become one of China's mainstream financial model. As an emerging model, consumer finance has great potential for development and play a positive role in domestic demand, living standards of consumers and economic growth. As a prominent example that not only changes the traditional financial system, but also promotes the implementation of Inclusive Finance, the Internet consumer financial instruments also have important research significance.
    This paper firstly introduces the concepts and types of consumer finance. Then the author chooses ”Ant Check Later”, a typical kind of product of consumer finance which belongs to Alibaba Group, as an example, and analyze its business model from the profit model, user population and risk control based on the relevant background information.Finally,Combining with its advantages and disadvantages and the development of consumer finance, the author gives some suggestions.

Key words: Ant Check Later; Consumer Finance; Internet Finance

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