Abstract: 【Purpose/significance】The financial market is the most extensive and active market for credit transactions, and it is also anarea where credit risks are high. With the continuous expansion of my country's credit transaction scale and the continuous advance⁃ment of credit system construction, there is an urgent need for professional and intelligent credit knowledge services.【Method/pro⁃cess】Review and sort out the relevant research on credit knowledge services, analyze the demand for credit knowledge services in the financial field, and apply the theory and methods of knowledge fusion to the entire process and links of credit knowledge services in the financial field.【Result/conclusion】The article constructs a credit knowledge service model in the financial field based on three-layer knowledge fusion. The structure and function of knowledge acquisition layer, knowledge processing layer and knowledge service layer are analyzed. Explains the application of credit knowledge services in the financial field based on the integration of three-tier knowledge in credit evaluation, credit risk management, and construction of social credit ecology.【Innovation/limitation】Proposes a credit knowledge service model in the financial field based on three-layer knowledge fusion. It needs to realize an intelli⁃gent credit knowledge service system in the financial field.