Abstract: A financing analysis method based on life policy information includes: step A: establishing an online investment database with a plurality of investment proposals, and updating the online investment database in real time or regularly; step B: receiving the life policy information input externally; and step C: analyzing a loanable amount according to the input life policy information and each investment proposal in the online investment database, and calculating a plurality of loan proposals and a maximum loanable amount of a corresponding life policy. A financing analysis system based on life policy information is further provided. The new method and system can help a policyholder to understand the maximum loanable amount and personal loan proposals on the online market, thereby optimizing loan selection and promoting policy liquidity.