The invention discloses an intelligent credit rating method and device. Condition data of a rating object is obtained, the condition data is processed according to different rating rules, different credit rating models are matched according to attributes of the rating object and data characteristics of the condition data, a matched credit rating model is used to rate the rating object, and a rating result is output. Compared with the prior art, the condition data collected automatically is transmitted to a credit rating program directly for rating, the rating result is output, and the problem of the cost of data fraud is low is solved.