In this paper, based on the characteristics of SMEs, the researcher constructs the credit evaluation system which includes business indicators, liquidity indicators, credit indicators and qualitative indicators by using Z-Score model. The fuzzy analytic hierarchy process (AHP) is applied to determine the weight of the indicator and modify the model. The test system is proved to be scientific, valid and feasible after the indexes from different enterprises were tested. The results show that it is of great theoretical significance and practical value to explore ways to improve the credit level of small and medium-sized enterprises in order to build a good brand image of the employers.