Abstract
With the advent and development of the information age, the Internet has become the current advancement in all walks of life. The popularization of e-commerce also gives birth to Internet finance. The emergence of consumer credit businesses such as "Yu 'ebao" and "Huabei" has put great pressure on the consumer credit business of traditional commercial Banks. Under the background of Internet finance, in order to promote the development of commercial Banks' consumer credit business, it is necessary to strengthen the innovation of commercial Banks' consumer credit business and meet the development demand of the current information age.