电商消费金融创新发展研究
Research on Innovation and Development of E-Commerce Consumer Finance

电商消费金融市场的创新发展促进了国民经济的发展，并对个人消费、生活都具有重要的意义。当前，我国电商消费金融与传统消费金融的互联网化存在较大的差异，各类电商消费金融在业务发展模式上各有特色。然而，当下电商消费金融市场的发展仍然面临着一些困境，诸如电商消费金融意识不高、电商金融消费模式同质化严重、征信体系与风险控制机制不完善以及融资环境有待改善等问题。因此，为了更好地发展电商消费金融，平台方面应不断提高其电商消费金融意识，加强电商消费金融产品服务创新，完善风控机制和征信体系，拓宽融资渠道，于政府层面而言，应不断完善相关监管法律体系。
The innovative development of e-commerce consumer financial market promotes the development of national economy, and has important significance for personal consumption and life. At present, there is a big difference between the internetization of e-commerce consumer finance and tradi-tional consumer finance in China, and all kinds of e-commerce consumer finance have their own characteristics in business development mode. However, the current development of e-commerce consumer financial market still faces some difficulties, such as low awareness of e-commerce con-sumer finance, serious homogeneity of e-commerce financial consumption mode, imperfect credit investigation system and risk control mechanism, and financing environment to be improved. Therefore, in order to better develop e-commerce consumer finance, platforms should constantly improve their awareness of e-commerce consumer finance, strengthen innovation of e-commerce consumer finance products and services, improve risk control mechanism and credit investigation system, broaden financing channels, and at the government level, it should constantly improve the relevant regulatory legal system.