Risk limit determination method and device

The invention discloses a risk limit determination method and device. The method comprises the following steps: obtaining the basic data of a customer, and enabling the basic data to comprise income index data, labor index data and behavior index data; dividing the clients into a plurality of client groups according to the basic data; calculating the future intangible asset value and tangible asset value of each customer in each customer group according to the basic data; calculating the future default probability of the customer according to the income index data, the labor index data and thebehavior index data of the customer to obtain a limit risk adjustment coefficient of the customer; and determining the future risk limit of the client according to the intangible asset value, the tangible asset value and the limit risk adjustment coefficient of the client. According to the invention, the technical problems that the existing risk limit only starts from the product dimension, the overall granting limit of