Abstract: 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.

Key words: social credit, synergistic governance, credit institute, credit system, credit culture