The embodiment of the invention provides a system fault determining method, a system fault determining device and system fault determining equipment. The method comprises the following steps of: obtaining key information of recharging records in each first settlement file generated by a data settlement system; obtaining key information of charging records for recharging each first different region by a user in the current region within the preset time period in a first recharging statistics file; comparing the key information of the recharging records obtained from each first settlement file with the key information of the recharging records obtained from the first recharging statistics file; and determining that the data settlement system fails when the comparison result shows that the key information is not matched. The problem that the condition that the data settlement system fails cannot be determined in the prior art is solved. The method, the device and the equipment relate to the technical field of a computer.