Industries and industry-wide standards of credit is littery at present, there is not uniform standard of credit system and the social evaluation, application and supervision system. And large credit is lossing in the process of credit evaluation and it cannot have better credit rating, including personal and business groups. Application of dimension analysis in this paper from the other side, namely statistics, data dimension reduction credit develop and improve standardization system further, as well as use credit loss function model to simulate and control the process.