Risk identification method and device

One or more embodiments of the invention disclose a risk identification method and device. The method comprises the following steps: firstly, carrying out risk pre-judgment on a target user according to a preset risk characteristic factor to determine a risk type corresponding to the target user, and secondly, if whether the target user has a preset risk cannot be determined based on the risk type corresponding to the target user, judging whether the target user has the preset risk. If yes, determining an information acquisition mode which needs to be adopted for the target user based on a risk type corresponding to the target user and scene information of the target user, and obtaining identity information and/or transaction behavior information of the target user based on the determined information acquisition mode, the information acquired in the information acquisition mode comprises one or more of voice information, text information and image information, and finally, based on the acquired identity infor