Research On The Development Of Internet Consumer Finance Products From The Perspective Of Consumers

In recent years,with the continuous growth of the consumption capacity of Chinese residents and a series of policy support to the consumer market,the consumer finance industry has developed vigorously.At the same time,in the context of the rapid development of Internet technology,traditional consumer finance has realized innovation and change with "Internet +",and Internet consumption finance has emerged.With the vigorous development of the Internet financial industry future,upgrade of residents' consumption concept,as well as the progress of financial technology,the development of the Internet consumer finance market potential and development space is immeasurable.In this situation,the major market participants are competing to launch their own Internet consumer financial products,and all kinds of Internet consumer financial products are in full bloom in the market.However,due to the short development time of Internet consumption financial market,the Internet consumer financial products in the market are not mature and are in the stage of continuous exploration.So from the perspective of the consumer to research the Internet consumer financial products development path,make the development of the Internet consumer financial products better able to fit the market demand,the Internet consumer financial products to form a good development momentum is very important.Based on the perspective of consumers,this paper USES theoretical analysis,questionnaire survey and empirical research to study the development of Internet consumer financial products.First,analyzing the development of the Internet consumer financial products,mainly explores the development of the Internet consumer financial products overall situation and the problems we are facing,and the Internet consumer financial products on the market at present.are classified and compared.Secondly,through questionnaires,we obtain first-hand data and analyze the current situation of Internet consumption financial products by sorting out data.Understand and examine the existing Internet consumer financial products in the market from the perspective of consumer feedback.Thirdly,theoretical analysis and empirical analysis are made on the influencing factors of consumers' choice of Internet consumer financial products.Finally,the four main factors that influence consumers' choice of Internet consumption financial products are the service factor,product factor,reputation factor and usability factor.Finally,on the basis of the foreword,it makes reasonable Suggestions on the future development of Internet consumer financial products from the perspective of product service,innovation,reputation and risk control.