Pedestrian credit report-based interest rate measuring and calculating method and device

The invention discloses an interest rate measuring and calculating method and device based on a pedestrian credit report. The method comprises the steps of obtaining pedestrian credit report data of a user, cleaning loan records in the pedestrian credit report data of the user to eliminate loans in an overdue state and an advanced repayment state, judging a repayment mode of each loan of the user according to the cleaned data, calculating an interest rate of each loan according to the repayment mode, and displaying the interest rate of each loan according to the calculated interest rate. And calculating the comprehensive interest rate of the user according to the interest rate of each loan, taking the comprehensive interest rate of the user as a modeling sample, and taking basic information, historical application records, historical repayment/overdue behaviors and account information in the pedestrian credit report data as modeling features to construct a regression model so as to predict the interest rate i