The invention provides a credit evaluation system, which comprises a first determination module, a second determination module and a third determination module, wherein the first determination moduleis used for determining whether the level of a to-be-evaluated subject is a set level based on the trading information of the to-be-evaluated subject; the second determination module is used for determining the index values of preset indexes for the to-be-evaluated subject if the level of the to-be-evaluated subject is the set level, and the preset indexes comprise a business evaluation index characterizing the business condition and the financial information condition of the subject, a service evaluation index characterizing the service condition of the subject, a bonus-penalty evaluation index characterizing the bonus-penalty condition of the subject and a credit index characterizing the credit behavior condition of the subject; and the third determination module is used for determiningthe credit level of the to-be-evaluated subject based on a preset operational relation between a determined index value and a credit level.