The present invention relates to a borrowing and lending matching system and method for implementing risk control based on network platform friendship circle credit. A borrowing and lending matching system for implementing risk control based on network platform friendship circle credit, comprising: a user registration module, a user audit risk control module, a loan issuing module, a borrowing and lending matching module, and a dynamic credit module. The beneficial effects are: before borrowing and lending occurs, friends are one of the groups that best understand the individual credit situation of a borrowing user and, by means of a multi-dimensional friendship circle method, the matching system can implement a rapid, reliable, low cost risk assessment; when a default occurs, by means of a network of associated users and guarantor information, the friendship circle maintained using the network platform will exert social pressure so that the borrowing user completes repayment; the losses of an investor can be decreased and the cost of recovery reduced; the creditworthiness of borrowing users can be monitored dynamically, accurately, and in real time by means of changes to the credit of the friendship circle credit; and dynamic credit big data (a dynamic credit system) can be formed.
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