Repayment capability evaluation method and system based on bank flow data

The invention belongs to the technical field of financial big data, and discloses a repayment capability evaluation method and system based on bank flow data, and the method comprises the steps: carrying out the text analysis of a bank flow PDF through a regular expression, and obtaining transaction information and flow data; collecting industrial and commercial and judicial data of an enterprise according to the transaction information, and cleaning and assembling the flow data, the industrial and commercial and judicial data into a data message; constructing an operation capability evaluation module, an operation stability evaluation module, a profitability evaluation module, a life cycle management evaluation module and an industry adjustment coefficient evaluation module, and carding and developing indexes of the corresponding modules; and according to the policy trend, the business scene, the expert experience design index and the module weight, constructing an expert policy model, and calculating the sc