Fecha de publicación: 22/06/2017 Fuente: Wipo "BigData" Provided are a big-data-based loan method and system, said method comprising: obtaining a dynamic information certificate of a completed transaction (202); according to said dynamic information certificate of the completed transaction, counting big-data information of the business of a merchant, said big-data information comprising asset information and credit information of the merchant (204); extracting an amount corresponding to said asset information and a credit rating corresponding to said credit information (206); determining whether said amount is larger than or equal to a preset amount and whether said credit rating is higher than or equal to a preset level (208); if so, then notifying the merchant to release a loan (210).