Abstract:

At present, civil credit, as a finance form, presents an important position in economic activities. Learning the situation of civil credit comprehensively and clearly plays a great role in promoting local regional economic development, pushing the revolution of local finance system and enhancing capital efficiency. From the survey of three topical hamlet in Benxi District of Liaoning Province, it shows the situations of civil credit status of base point hamlet, the causes, basic information and application, also, it gives some analysis information about what influence civil credit impacted on local finance market and pros and cons between them. The results show that civil credit still plays some significant effects in local economy. From the characteristics of civil credit, the outcomes of civil credit have some close relationships with local economy, culture and manners of living and production, which provides realistic basis for promoting and developing the civil finance market in this region. Finally, this essay proposed the advices and countermeasures about how to lead civil credit into regular developing track.