Abstract: The process of college students forming good credit quality includes inner transformation process and external influence. It is formed through three psychological stages:integrity emotion, faith and willpower, which lead to concrete and honest behavior under the influence of external factors. The law of forming good credit quality mainly includes progressive law, contradiction rate and internalization and externalization law. Following progressive law means combining integrity education with students' thinking and behavior needs; Following contradiction law means guiding students to combine integrity cognitive with integrity behavior through practice; Following internalization and externalization law means guiding students to combine self-discipline with heteronomy.