Research On The Development Of Internet Personal Consumption Credit Insurance-

Since twenty-first Century, the popularity of the Internet and the development of e-commerce are in a rapidly rising stage. The tide of the Internet has gradually changed the pattern of people's consumption behavior, simple shopping mall is no longer the only consumer behavior, more online shopping patterns emerge. The change of consumption pattern is accompanied by the change of the business model. In order to meet the demand of the growth rate of the national consumption of our country, the Internet personal consumption credit arises at the historic moment. It is due to the development of the Internet consumer credit business and the need for norms, making the development of the Internet consumer credit insurance becomes very important. In this paper, the "ant flower chant" as an example, analyzes the innovation pattern of Internet consumer credit,tentatively put forward the concept of Internet personal consumer credit insurance, and on the basis of analysis of its necessity and feasibility.The main content of this paper is starting from the basic theory of Internet personal consumer credit insurance, combined with the current background and the "ant flower chant" case,the necessity of the development of the Internet of personal consumer credit insurance,based on the analysis,find out the Internet personal consumer credit insurance in China's development advantages, and the status of the the Internet personal consumer credit insurance market analysis, find out the problems, and according to the current situation and puts forward the corresponding countermeasures, finally the prospect of Internet personal consumer credit insurance in China's development prospects.