Credit evaluation method and credit evaluation device

The invention provides a credit evaluation method and a credit evaluation device. The method comprises steps: in a condition of successful first user registration, the registration approach of the first user is detected; when the registration approach of the first user is registration through registration resources shared by a second user, the correlation between the first user and the second user is built; a loan request of the first user is received, and based on the loan request, first personal data of the first user and second personal data of the second user are acquired; and according to the first personal data and the second personal data, credit evaluation is carried out on the first user, and a credit score of the first user is obtained. The method can accurately and comprehensively carry out credit evaluation on the first user, a perfect credit evaluation system is built, and a loan risk is reduced. 本发明提供种信用评估方法及装置。该方法包括：在第用户注册成功的情况下，检测第用户的注册途径；在第用户的注册途径为经由第二用户分享的注册资源注册时，建立第用户与第二用户的关联关系；接收第用户的贷款请求，基