As Internet technology sharply improves, the social outlook has been greatly improved. However, in the process of exploring market economy, the problem of credit missing has become prominent. The market economy is a credit economy, so market dishonesty will seriously corrode the market order and hinder the healthy development of the economy. Therefore, this paper, based on the correlation coefficient algorithm, calculated and analyzed the way civil and commercial law improves the construction of the social credit system in depth. The research results show that the construction degree of civil and commercial law definition is 56% in credit system. The construction degree of the characteristics of civil and commercial law is 67%. In addition, the unsound legal system leads to the difficulty of constructing a social credit system is as high as 78%, and the incomplete government mechanism leads to the difficulty of constructing a social credit system is 56%. This means that the complexity of positive information determines the role of public credit service departments in the credit service system.