PAGE\*MERGEFORMATIII摘要互联网消费信贷是指针对诚信度较高的网络用户开展的信贷业务。而“蚂蚁花呗”因其受到广大消费者的喜爱，在互联网消费信贷中具有显著的代表性。“蚂蚁花呗”是“蚂蚁金服”推出的一款消费信贷产品，根据用户自身的情况获得不等的消费额度。近年来，使用“蚂蚁花呗”消费的群体越来越庞大，该服务也不断刺激着国内经济和消费的增长，但是目前互联网消费信贷仍然处于法律盲区，网络套现等灰色现象层出不穷，严重危害着社会的健康发展。国内学者围绕这一主题的研究成果较多，但是在如何有效规范互联网消费信贷的研究层面上有一定的差距，特别是在个人征信体系、法律等层面的分析，更有许多问题值得研究。本文便集中阐述了互联网消费信贷的相关概念及内涵，利用“蚂蚁花呗”这个案例，围绕它的用户结构、服务特色、市场交易情况做出相应的分析，剖析目前花呗面临的主要问题，为促进互联网消费信贷的持续发展提出个人看法。本文主要创新体现在从“蚂蚁花呗”的征信系统、用户个人信息保护、违法套现现象、服务合作范围等多个角度，去分析互联网消费信贷所存在的风险，深入剖析问题产生的原因并提出相应的解决对策。关键词：互联网消费信贷蚂蚁花呗ABSTRACTInternetconsumercreditisakindofcreditbusinessconductedbynetworkuserswithhighdegreeofhonesty."AntCreditPay"becauseofitspopularwithconsumers,intheInternetconsumercredithassignificantrepresentativeness."AntCreditPay"isaconsumercreditproductlaunchedby"AntCreditPay",whichallowsuserstoobtaindifferentconsumptionamountsaccordingtotheirownconditions.Inrecentyears,thenumberofconsumersusing"AntCreditPay"hasbeenincreasing,andtheservicehasbeenstimulatingthegrowthofdomesticeconomyandconsumption.However,theInternetconsumercreditisstillinthelegalblindzone,andthegrayphenomenasuchasnetworkcashareemergingoneafteranother,whichseriouslyendangersthehealthydevelopmentofthesociety.Domesticscholarshavemademanyresearchachievementsonthissubject,buttherearesomegapsintheresearchonhowtoeffectivelyregulateInternetconsumercredit,especiallyintheanalysisofpersonalcreditinvestigationsystemandlaw,andtherearemanyproblemsworthstudying.ThepurposeofthisarticlewillfocusontherelatedconceptandconnotationofInternetconsumercredit,usingthecaseofAntCreditPay,aroundtheuserstructure,servicecharacteristics,marketsituationmakesthecorrespondinganalysis,analyzesthemainproblemsoftheAntCreditPayiscurrentlyfacinginordertopromotethesustainabledevelopmentoftheInternetconsumercreditputforwardpersonalopinions.ThemaininnovationsofthispaperaretoanalyzetherisksofInternetconsumercreditfromtheperspectivesof"AntCreditPay"creditinvestigationsystem,protectionofusers'personalinformation,illegalcash-outphenomenon,serv