In the context of rural revitalization, H Rural Commercial Bank (HRCB) implements“ whole village credit”, plays an im‐ portant role in building a rural credit system, stabilizing rural financial order, and supporting the revitalization and development of characteristic industries in H city. The“ whole village credit” has been carried out by HRCB for three years, and it is necessary to study the utilization rate of the“ whole village credit” in order to better review and summarize. Therefore, this article is based on the credit data of HRCB for the“ whole village credit”. Firstly, the credit ratio and its influencing factors in the credit data of the“ whole village credit” are statistically analyzed; Secondly, cluster analysis is used for the credit ratio of the“ whole village credit” customer group; Finally, data mining identifies items with high support and confidence in the credit. Through research on the utilization rate of the“ whole village credit”, and analyzing the causes, it provides data support for improving credit efficiency and the utilization, in or‐ der to better promote the development of HRCB's“ whole village credit”.