The invention relates to a business credit evaluation and supervision method based on a multi-
modal coevolution algorithm, and the method comprises the steps: collecting and cleaning multi-
modal data, guaranteeing the
data quality, uniformly storing the multi-
modal data as a structural
database, extracting features through cross-modal comparative learning, and enabling the features to be embedded into a dynamic multi-modal
knowledge graph, a modal sharing network is used to extract and fuse modal sharing and specific features, consistency of modal feature distribution is optimized through adversarial learning, a global co-evolution credit scoring model is initialized, a dynamic multi-objective
algorithm is used to optimize accuracy, robustness and
interpretability of the model, and a credit scoring result is obtained. A
causal reasoning model is introduced to analyze driving factors of enterprise credit changes, a causal relationship is established, a closed-loop feedback
system is designed, a credit evaluation model is updated, adaptability is enhanced, an interpretable credit evaluation report is generated based on a
generative adversarial network, and transparency and credibility are enhanced. According to the method, the accuracy and adaptability of credit assessment are improved, and the robustness and
interpretability of an assessment result are ensured.