The invention discloses a financial risk prediction device based on real-time data and a use method. The financial risk prediction device comprises a bottom plate, wherein two sides of the top surface of the bottom plate are fixedly connected with support pipes, and lifting notches are vertically formed in the centers of the front surfaces of the support pipes. Through cooperative use of the infrared signal receiver, the handheld control terminal, the central processing unit, the data receiver, the storage module, the data risk analysis module, the data model drawing module, the screen recording module, the data risk comparison module, the data risk library and the data risk alarm module, financial risks can be predicted in real time; thus, prediction of the prediction device is more timely, and problems that in the financial risk prediction process of the prediction device, due to the fact that real-time data cannot be collected and processed in time, data acquisition and prediction delay is caused, financial risks cannot be known in time, and the prediction device cannot predict the financial risks in time are solved; and huge loss is brought to the user.