The invention belongs to the credit evaluation field and provides a credit scoring system model-based calculation method and device. The method includes the following steps that: behavior data to-be-evaluated are obtained, wherein the behavior data to-be-evaluated include characteristic categories of events, the names of the events, the degrees of the events, and the number of the events; individual credit objects and enterprise credit objects can be recognized according to the obtained behavior data to-be-evaluated, behavior classification attribution basic scores are configured according to recognition results; the characteristic categories of the events are matched with the characteristics of classification items, so that classification items to which the events belong can be obtained; scores by which classification attributions of the classification items should be deducted are generated according to the degrees of the events, the number of the events and a classification attribution score deduction model which is led in advance; the behavior classification attribution basic scores are subtracted from the scores by which the classification attributions should be deducted, so that credit scores can be obtained; and three-dimensional credit curves are drawn according to the credit scores. With the method and device of the invention adopted, a powerful tool can be provided for the improvement of application efficiency of credit and social credit services, and the construction of social integrity can be benefitted.