The invention discloses a personal credit
evaluation system of a peasant financial mutual cooperation platform. The personal credit
evaluation system comprises a rural financial mutual cooperative management platform, a
data acquisition module, a
data analysis module and a data storage module, wherein the rural financial mutual cooperative management platform stores the identity information and the financial situation of all rural financial mutual cooperative members in a certain area range; the
data acquisition module is connected with the rural financial mutual cooperative management platform and is used for acquiring all information of a corresponding
client, summarizing the deposit, debit and credit and guarantee situations of the corresponding
client, simultaneously collecting the
relevant information of the mate of the corresponding user and associating the
relevant information with all information of the corresponding
client; the
data analysis module analyzes the collected data when a member applies loan, collects all relevant data to form a
data analysis report, judges whether the member is in a
blacklist and the mate owns relevant data or not, calculates and scores according to the calculation weight of each piece of information and carries out personal credit evaluation; and the data storage module is used for storing the collected data and an analysis result. The
risk control level of the rural financial mutual cooperative is effectively improved.