In order to explore the impacts of product quality on the diffusion of internet consumer credit products,network structure moderating variable factors were introduced.Based on the characteristics of internet consumer credit products,a random threshold model for internet consumer credit product diffusion was constructed based on product quality.In a scale-free network simulation environment,this study explores how product quality affects the diffusion of internet consumer credit products from three dimensions:diffusion speed,diffusion depth,and diffusion scale.The research results indicate that product quality can have a significant impact on the diffusion of internet consumer credit products.In the same network structure environment,the higher the product quality,the faster the diffusion speed,deeper the diffusion,and larger the diffusion scale of internet consumer products.Moreover,higher product quality can fully compensate for the adverse factors caused by changes in network structure.At the same time,under the same product quality conditions,changing the network size and average degree can also significantly affect the diffusion of internet consumer credit products,highlighting the important regulatory role of network structure variables on the diffusion of internet consumer credit products.Empirical analysis was conducted on the data of China's internet consumer credit industry from 2017 to 2021,effectively verifying the effectiveness and scientificity of the simulation results.The research in this paper not only enriches and improves the relevant theories of financial product diffusion,but also provides decision-making reference for financial institutions to promote internet consumer credit products.
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