China People's Bank Financial Custody Insurance. The consumption of financial products is closely related to the wealth of residents. When the per capita disposable income and financial assets reach a certain amount, higher requirements will be put forward for the security, profitability and liquidity of the assets held. In recent years, the continuous improvement of the wealth level of Chinese residents and the rapid popularization of internet finance have greatly improved the availability of finance, and people's demand for financial products is increasing day by day. In recent years, the development of Internet finance has brought new risks to financial consumption. E-rental, routine loans and other products under the guise of internet financial products infringe on the rights and interests of financial consumers in new ways, which greatly intensifies the concentration of financial risks.