The social credit system is an important part of the socialist market economic system and social governance system. By constructing the "tool-target" two-dimensional framework, analyzes the use of policy tools and policy objectives in the "14th Five-Year Plan" social credit system construction planning texts in 12 provinces and their shortcomings. The study found that the current construction of the social credit system has the problems of unbalanced use of policy tools and significant gap in the development degree of policy objectives. Therefore, it is necessary to optimize the internal structure of policy tools, balance policy objectives, improve the realizability of policy objectives, and jointly promote the high-quality development of the social credit system.