The invention relates to the technical field of loan quota management, and discloses a user loan quota
intelligent management method, which comprises the steps of setting a loan mode I and a loan mode II, obtaining a loan request and credit information of a user, rating the user, generating loan quotas of the two
modes according to the rating, and when the user confirms loan, sending the loan quotas to the loan mode II; the first mode is selected to execute a first monitoring and
processing strategy; the second selection mode executes a second monitoring and
processing strategy based on the consumption behavior model of the user; if the two
modes are selected at the same time, executing the two monitoring strategies, and judging whether to execute a third
processing strategy; by acquiring the historical consumption
record of the user and establishing the consumption behavior
habit model of the user, the consumption preference and behavior mode of the user can be known more accurately, which is beneficial to monitoring the consumption behavior of the user, finding the abnormal consumption condition in time, preventing the loan amount of the user from being stolen, and ensuring the fund security of the user.