By analyzing the atmospheric radiation characteristics of clouds in different bands, combined with the spectral characteristics of MODIS data, a multi-spectral integrated cloud detection method is proposed. This paper argues that from the macro level, economic development strategy, economic development level and economic scale are the main factors affecting developing countries' alliance; while from the industrial level, the game theory of dynamic analysis of the relationship between the subjects and the two-level negotiation-related Analysis of game theory. From the perspective of game theory, this paper analyzes the main contradictions in the current construction of the credit system of small and medium-sized enterprises, and analyzes the construction and innovation of the credit system of small and medium-sized enterprises in Yongzhou city.