Credit loan is one of the important ways to solve the financing difficulty of small and medium-sized enterprises．but commercial banks and lenders are cautious on credit lOan．The main reason iS the lack of scientific and systemic risk contr01 measures in small and medium．sized enterprises credit Ioans．The Paper includes the unique corporate repayment willingness index，enterprise growth forecasting index and credit loan related indicators in the index system．With the organic combination of fuzzy comprehensive evaluation method of the quantitative index and qualitative index，the paper evaluates the Small and medium—sized enterprises credit loan risk．Through empirical testing．this method iS effective．