In recent years，emerging digital technologies like big data，artificial intelligence，cloud computing，and blockchain have reshaped consumer finance，gradually forming digital consumer finance with distinctive characteristics. This article believes that the emergence of digital consumer finance is an inevitable trend for technology and consumer finance to conform to the development of the digital economy. It has distinctive features and outstanding advantages，but there are still many risks and new problems，such as few financing channels，insufficient scenarios，high customer acquisition costs，user information leakage，imperfect regulations，etc. Based on the above，it proposes to actively broaden funding sources，expand consumption scenarios，deepen the application of Fintech，improve relevant legal and regulatory systems，and build a comprehensive regulatory framework to promote the healthy and sustainable development of China’s digital consumer finance.