The embodiment of the invention provides a business data processing system, the system comprises an application acceptance module, an application evaluation module and a post-lending processing module, and a serious of business data processing relevant processes of receiving business data application on line, acquiring and judging if user evaluation data suiting user evaluation conditions, passing and processing business data applications which are suitable for the user evaluation conditions, monitoring various data of individual / enterprise applicants, sending warning information and triggering a fund risk compensation mechanism are completed. In the above processes, the user evaluation data and the monitoring data are from a third party data system with public trust or a home terminal system, so that objective applicant data can be acquired without list and statement. Otherwise, the later risk can be effectively controlled through the monitoring of applicant monitoring data by the post-lending processing module and introducing a fund risk compensation mechanism, and whole online operation processes including acceptance, evaluation, processing, monitoring and risk controlling of the business data are realized.