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The technology of big data and cloud computing develops so rapidly, which has brought new opportunities to Internet finance. China has caught up with the trend of big data popularization, innovates actively. And the main kinds of business models include the third party payment, peer to peer lending, crowdfunding and big data credit. However, how the Internet finance influences the Chinese economy is still under research. This study analyzes the relationship between Internet finance and people’s consumption in China with the method of co-integration test and Granger causality test. Keywords—Internet finance; consumption; disposable income

The Innovation and Application of Internet Finance in the Era of Big Data An Empirical Study on Consumption and Internet Finance