Fecha de publicación: 24/05/2022 Fuente: Wipo "BigData" The embodiment of the invention discloses a credit management method and device based on big data risk control and a medium, and is applied to a credit management system.The method comprises the steps that a transaction request of a loan enterprise is received, and initial credit investigation data of the loan enterprise is obtained through the transaction request of the loan enterprise; performing loan qualification verification on the loan enterprise according to the initial credit investigation data of the loan enterprise; after the loan qualification verification of the loan enterprise is passed, performing credit scoring on the loan enterprise according to the initial credit investigation data through a pre-established credit scoring model; determining a pre-credit line and a pre-transaction interest rate of the loan enterprise according to the credit score of the loan enterprise; and according to the pre-credit line and the pre-transaction interest rate of the loan enterprise, determining the credit line and the transaction interest rate of the credit transaction so as to perform the credit transaction through the credit line and the transaction interest rate. And financial institutions are helped to reduce the transaction cost, measure and calculate the initial credit line, evaluate the risk level to carry out risk pricing and customize the interest rate.