The present invention provides a credit buyer non-preemptive performing postpaid trading system and method, including following steps: selecting a third party by trading initiator when the trade is initiated, the trading response party once answering, in other words, implied identification; appointting goods and price by the trade initiator, answering by the trade response party; filtering the buyer before goods delivery by seller according to the trade information data provided by the third party; the third party recording goods switch message according to the achieving trade order; buyer acquiring or postpaid or refusing payment; the third party recording trade payment relative information and collected trade data and statistical results in the database, for consult at any time, completing one trade. Contrast to the present technology, the invention places an emphasis on individual credibility formed by multiple trade for a long time, beneficial to protect consumer benefits, integrated user evaluation to the trade result, strengthening the guidance of the user needs to market, enhancing the sensibility of the market to the user needs.