This article takes the “Credit +” reform in Zhucheng City as an example to explore how the social credit system promotes the optimization of government affairs and the modernization of governance. This research, in line with the national requirements of “streamlining administration, delegating power, improving regulation and upgrading services” and the construction of the credit system, through case and literature analysis, summarizes that it is based on the credit platform and achieves approval reconstruction, environmental optimization and social co-governance through measures such as credit commitment, classified supervision and “credit-based lending.” Although the reform has improved efficiency, it still faces challenges such as data privacy and the fairness of punishment. It is suggested that a hierarchical data governance, precise punishment, and intelligent approval mechanism be established to provide a reference for other regions.