本文借鉴传统金融机构经验,从风险识别、风险评估、风险控制和风险处置以及管后评价等四大节点构建互联网金融信贷的风险管理体系。同时,提出构建完善的金融信息数据库,加快金融科技技术的发展,完善互联网金融信贷的监管制度和出台互联网金融信贷法律法规等互联网金融信贷风险管理体系构建对策。 Drawing on the experience of traditional financial institutions, this article constructs the risk management system of internet finance credit from the four major points: risk identification, risk assessment, risk control and risk management and post-evaluation. At the same time, this paper proposes to construct a perfect financial information database, speed up the development of financial science and technology, improve the supervision system of internet finance credit, and put forward the countermeasures of Internet financial credit risk management system such as internet finance credit laws and regulations.