第三次科技革命以来,以先进的互联网技术作为依托,催生了互联网金融,同时其信用性风险问题逐步彰显,本文从信用性风险入手,探究其产生的原因及其特点,运用Z值模型进行风险识别,KMV模型进行信用性风险的评估,找出DD和EDF两者之间的关系,以此说明本文选用的KMV模型能识别涉互联网金融的上市公司信用性风险。最后结合时代背景,针对信用性风险问题,提出具体建议。 Since the third revolution in science and technology, based on advanced internet technology, Internet finance has been spawned and the credit risk problem has gradually been highlighted. This article starts with the credit risk and explores its causes and characteristics, and uses the Z value model Risk identification and KMV model to evaluate credit risk and find out the relationship between DD and EDF. Therefore, the KMV model used in this paper can identify the credit risk of listed companies involved in internet finance. Finally, combined with the background of the times, in view of credit risk, put forward specific suggestions.