An electronic device obtains credit information of a user, where the credit information of the user is derived at least in part from a usage history of the user for a shared product. The electronic device inputs the credit information of the user to a recommendation model for calculation, where the recommendation model is a machine learning model. The electronic device derives, based on the recommendation model, a shared product use probability. The electronic device recommends the shared product to the user based on the shared product use probability.