Loan pairing system and method

The invention relates to an automatic credit operation, preferably loan operation or lender and lender pairing system. The system comprises a credit file checking and generating unit, an optional credit file stable private data processing unit, an artificial intelligence loan pairing unit and a credit quotation and auction unit which are operably connected with one another, the credit offer and auction unit is configured to notify a first credit job to a set of potential creditor individuals and/or each creditor in a company and transmit a first lender credit file and/or an inspected second lender credit file to require each creditor to provide a loan offer for the first credit job, a first auction is started for the first credit operation on line based on the loan quotation, and during the period, an online quotation priority table is generated and updated in real time according to the initial and revised loan quotation of each creditor, and at least one creditor located in the frontand a final accepted/sele