The invention discloses a personal credit ecological platform, which is structured by a display layer, a middle layer and a data layer; the display layer is a front
client platform, the middle layer is a background service platform, and the data layer is a
data warehouse system; the whole ecological platform consists of a management end, a personal credit module, a merchant module, a
payment flow, and a
mobile APP. The platform data base is deep, the
data quality is alive, the accuracy is high, the scale is wide, and the time track is rich, the data volume is huge and the dimension is wide. The platform deeply excavates the personal credit data, realizes the credit evaluation, provides the complete personal credit status, realizes the personal credit tracking management, and further controls the risk; besides, the
client complaint procedure is added. The platform achieves the recommendation of potential and sustainable developed individual
client for merchant users, and realizes the bidirectional push.