消费是拉动我国经济增长的“三驾马车”之一,从2011年起消费对我国GDP增长的贡献率一直超过50%,并呈逐年增长态势。根据国家统计局前不久发布的数据显示,2017上半年最终消费支出对经济增长的贡献率为63.4%,比投资高出30.7个百分点,稳居“三驾马车”之首。说消费支出成为经济增长第一驱动力也不为过。消费金融作为向各阶层消费者提供消费贷款的现代金融服务方式,是促进消费升级的重要力量。有数据显示,当前我国消费金融市场规模近6万亿元,其中互联网消 Consumption is one of the “troika” driving economic growth in our country. Since 2011, the contribution rate of consumption to China’s GDP growth has exceeded 50% and has been increasing year by year. According to the data released by the National Bureau of Statistics recently, the final consumption expenditure in the first half of the year contributed 63.4% of the economic growth, 30.7 percentage points higher than the investment, ranking first in the troika. It is not an exaggeration to say consumer spending has become the number one driver of economic growth. As a modern financial service that provides consumer loans to all levels of consumers, consumer finance is an important force in promoting the escalation of consumption. Data show that the current scale of China’s consumer financial markets nearly 6 trillion yuan, of which Internet Consumers