摘要随着我国经济转型对刺激消费、扩大内需从而对经济发展结构进行调整的迫切需求，近两年我国消费金融市场进入高速发展时期。同时伴随着电子商务对传统经济的持续渗透以及政府政策的支持，电子商务生态消费金融也取得了快速的发展，特别是国内电商巨头相继涉足该领域。本文主要以蚂蚁花呗为依托研究我国电子商务生态消费金融的发展现状及进行风控探究，根据蚂蚁花呗发展过程中几个主要节点，并与国内外类似电子商务生态消费金融业务进行对比，分析我国电子商务生态消费金融业务发展过程中遇到的问题及其存在的风险。从而提出促进其规范发展的相关建议，使其更好的把握用户的需求，在此基础上开发和完善其产品与服务。76554

With China's economic transformation of the urgent need to stimulate consumption and expand domestic demand so as to adjust the economic structure, in recent years China's consumption of financial market has entered a period of rapid development。 At the same time, along with the continued penetration of Electronic Commerce on the traditional economy and government policy support, e-commerce consumer finance also achieved rapid development, especially the e-commerce giants have been involved in the field。 This paper mainly take Ant check later as an example to research the development status of e-commerce consumer finance and risk control research。 According to the several main node of the development of Ant check later, and compared those with the foreign similar e-commerce consumer finance business 。 Analysis the problems in China's e-commerce ecological consumer finance business development process and the existence of the risk。 In order to put forward relevant suggestions to promote the development of its specification, let them better grasp the needs of users, and  improve of the its products and services to have better development。

毕业论文关键词：电子商务生态消费金融; 风控分析；蚂蚁花呗

Keyword: risk control analysis; E-commerce Consumer Finance; 

Ant check later

目 录

一、 引言 5

(一) 选题背景和意义 5

(二) 研究内容 5

(三) 研究方法 6

(四) 本文创新点 6

二、 电子商务生态消费金融的发展现状和发展趋势 6

(一) 国内外电子商务生态消费金融发展现状分析及对比 6

(二) 国内电子商务生态消费金融的发展趋势 8

三、 蚂蚁花呗业务存在的风险 9

(一) 用户所存在的危险 9

(二) 电商平台所存在的风险 10

(三) 国家经济所存在的风险 11

(四) 法律风险及监管不足(政策监管风险) 12

四、 关于电商生态消费金融发展及风险控制的建议 12

(一)