社会信用治理中，制度、技术与文化三者不可或缺。这里的制度是关乎信用的制度的统称，技术专指社会信用治理的技术方面即狭义的社会信用体系，而文化则指信用文化的培植。一个国家（地区）社会信用治理的成效如何，与是否实现了以上三者的协同治理息息相关。信用制度、社会信用体系的建设完善，强化的是社会信用治理的外在约束力；而信用文化的培植育成，则注重的是信用主体内在的诚信修为。在信用制度、信用技术与信用文化的协同治理下，能够实现“计算信用”与“诚实信用”的并存，其中信用文化潜移默化的作用结果，将是“诚实信用”的逐渐强化。只有实现了制度、技术与文化三者的共同协力，社会信用治理才能达到协同治理的高度，社会的信用良序才可望形成并得以持续。

Institute, technology and culture are indispensable parts for social credit governance. In this paper, institute is generally referred to those about credit. Technology is the technological factors for social credit governance which is also called social system in narrow sense. Culture is to cultivate credit culture. In what extent a state or area’s credit governance will be, which is determined by the extent of institute and technology as well as culture’s synergistic governance can reach to .Perfect institute and technology is aimed to strengthen external bounds of social credit governance while cultivating culture is paid attention to develop internal bounds of credit main bodies. With the synergistic governance of the three, rational credit and honesty credit can exist together. And with credit culture’s invisible effecting, honesty credit will be strengthened gradually. Only with the synergy of the three can social credit governance touch the degree of synergistic governance, as well good credit order may be developed and sustained.