The invention discloses a credit rating management consultation system, which comprises fifteen modules. A method comprises the steps of: 1, inputting basic information of a customer first, and then inputting customer profiling, customer historical evolution, public management organization information, customer operation state investigation, financial credit status and social credit information recording modules; 2, entering a financial analysis module; 3, entering a credit rating module; and 4, entering a comprehensive evaluation comment module, a risk management system module, a network information inquiry module, a credit standard maintenance module and a default rate module, and finally entering a system management module. The credit rating management consultation system ensures that the design of the system has the characteristics of clear structure, easy extension, easy reuse, easy development, high interactive distributed operation and the like.