关键词: 互联网金融; 居民消费; 跨期消费理论模型; 经济结构调整

Abstract: Based on innovation diffusion model and information discrimination model， the benchmark theoretical model of intertemporal consumption is extended by introducing factors such as market size， advertising promotion and resident liquidity constraint. At the same time， according to the theoretical analysis， an empirical research is carried out from the perspectives of the horizontal effect and the structural effect of the impact of Internet finance development on residents' consumption demand. The results show that Internet finance can relax the liquidity constraint of residents and improve their consumption demand. Internet finance cannot improve the consumption structure of residents by developing consumption enjoyment， but it can make use of credit term to have an indirect influence on the level of residents' consumption. The improvement of the level of disposable income can promote the growth of consumer demand.

Key words: Internet finance; residents' consumption; intertemporal consumption theory model; economic restructuring