Credit island service platform-based enterprise financing service system and method

The invention provides a credit island service platform-based enterprise financing service system and a credit island service platform-based enterprise financing service method. A virtual acquaintance society community is established through the Internet, and various financial institutions engaging in small and medium enterprise financing service and small and medium enterprises with the financing requirement are integrated in the same environment, and can share information through various software tools to improve familiarity and solve the information symmetry problem, so that the business behaviors of each enterprise can be monitored by various external main bodies (including the financial institutions and other enterprises). The system and the method aim to establish a credit environment and implement a credit reward and dishonesty disciplinary mechanism, so that the financial institutions can implement the small and medium enterprise financing service in a low-risk and low-cost environment.