本文从网络分期消费入手,以中青年人群为主要调查对象,分析网络分期付款在我国社会经济中的产生、发展现状、利弊及其产生的作用,还有暴露出的一些问题。找到弊端问题产生的原因,并对弊端之处从网购分期付款使用者、电商平台、相关市场等几个方面提出合理化建议,同时为相关机构在监管和制定相关法规政策时提供参考。 This article begins with the network consumption in installments and takes the middle-aged and young people as the main survey objects. It analyzes the generation, development status, advantages, disadvantages and the functions of the network installment in our country’s social economy, and some problems exposed. Find out the causes of the problems, and put forward some reasonable suggestions on several aspects such as online shopping installment users, e-commerce platforms and related markets, and provide references for the relevant agencies in the regulation and formulation of relevant laws and regulations.