Commercial banks usually classify customers according to their credit reports when making loans. In this study, we put our focus on classifying customers based on their credit reports from the People's Bank of China (PBC). Since there are no target labels of users in the credit report of the People's Bank of China, we put forward the fuzzy clustering method for the initial label, and then Construct ant colony search to optimize intelligent recognition. Finally, this study uses SVM, BP neural network, and random forest to classify users and compare their results. The research re-sults indicate that using ant colony clustering algorithm and random forest for classification is the most effective method with the PBC credit reports.