Research On Internet Consumer Financial Services Demand Base On Ant Check Later

Internet consumer finance is the product of both social economy and Internet technology developing to a certain degree.Since 2010,the per capita disposable income of urban and rural residents in China has increased year by year,along with the consumption demand of urban and rural residents maintaining a relatively strong growth momentum.It lays a solid foundation for the further growth of consumer demand and consumer expenditure.At the same time,China’s Internet consumer finance has developed owing to the advancement of Internet technology and the rise of e-commerce.The year of 2015 was a turning point.With the deepening of reform,the focus of China’s economic transition turned to promote consumption,to which consumer finance is an effective measure.In the macro environment,the consumer finance industry has been pushed on the outbreak of the air.The authorities pay more and more attention to the development of consumer finance,positive policies about it put forward.Under the background of promoting residents’ consumption and expanding domestic demand vigorously in our country,studying Internet consumer financial demand is of practical significance towards transforming the mode of economic development and improving the quality of economic development.However,the research on Internet consumer finance still lacks,mainly from the perspective of innovation and risk.This paper,from the perspective of demand,aims at enriching the relevant research.The paper selects Ant Check Later in-depth study,Theoretical analysis includes two aspects: the overall economic development and consumption upgrade mode.On this basis,constructing two Logistic regression analysis model to study affecting factors towards the demand of Internet users of consumer finance.Research shows that more than half of the users will consider Ant Check Later as the Internet consumer financial services.Factors affecting their mutual benefit demand network of consumer finance include age,income,risk and product installment rate,the influence of others.Of these factors,age,income and others’ impact on people have a significant positive effect,while the product stage the rate and product risk have significant negative effect.According to the above research conclusions,the author put forward some reasonable policy recommendations on the development of Internet consumer finance in China.