The innovation of e-commerce financial service product based on cloud computing—taking Alibaba Finance as an example

First, the paper studies three features of Alibaba Financial service product: based on credit evaluation, service to small and micro businesses, large-scale data processing technology based on cloud computing. Then, the paper compares E-commerce financial product with traditional financial product, analyzes its advantages, disadvantages and policy limits. Last, based on the applying of cloud computing, the paper foresees the possible e-commerce financial product in the future-personal financial service.