Internet consumption finance is the financial inclusion to serve practical economy, its consumption finance service extends to long-tail group by low cost and high efficiency and covers extensive people with middle and low income at low risk. The domestic consumption finance market is far from saturation, internet consumption finance has extensive development potential and innovative space, and currently internet consumption finance service model has six kinds such as traditional bank consumption finance internet, consumption finance internet of consumption financial company, consumption finance provided by e-commerce, consumption finance provided by installment platform, consumption finance provided by vertical subdivision platform, and consumption finance provided by P2P platform. The young people with the preference of internet shopping and in-advance consumption become the mainstream people in labor market and consumption market, their producing herding effect drives the development of internet economy and leverage consumption of the whole society, and internet consumption finance will continuously and effectively promote China’s economic growth. Thus, we should encourage, standardize and guide the healthy development of internet consumption finance.