A credit scoring method and device

The invention discloses a credit scoring method and device, which are used for reducing the subjectivity of credit scoring of a user so as to improve accuracy of credit scoring of a user. The method comprises the following steps: acquiring N data samples of N users; wherein the data sample comprises data of P evaluation indexes, and N and P are positive integers; according to the N data samples, constructing a scoring index system based on an analytic hierarchy process AHP architecture, wherein the scoring index system is composed of a target layer, a criterion layer and a scheme layer; wherein the target layer is a user credit score, the criterion layer comprises M elements influencing the user credit score, one of the M elements corresponds to at least one evaluation index included in the scheme layer, the evaluation indexes corresponding to different elements are different, and M is a positive integer; calculating the weight of each evaluation index in at least one evaluation indexcorresponding to each ele