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A rational evaluation of the rural credit environment's current state and identification of its critical issues are crucial for enhancing the construction of rural social credit systems. Drawing on the "Outline for the Construction of the Social Credit System (2014-2020)" and related literature, this paper clarifies the concepts and measurement principles of the rural credit environment. This study innovatively constructs an evaluation framework for the rural credit environment and conducts quantitative measurements and statistical analyses using a combined weighting method to delineate the environment's current state. Using Banqiao Town as a case study, this paper employs the cloud model to evaluate the rural credit environment's quality levels and to identify key factors influencing its quality effectively. From a macro perspective, statistical measurements and index analyses establish evaluation standards and quantify the state of the rural credit environment. In contrast, from a micro perspective, case analysis focuses on evaluating the quality levels and identifying crucial issues in specific locales. Integrating macro and micro perspectives offers a novel approach to evaluating the rural credit environment, offering theoretical approaches and practical strategies for promoting a favorable credit environment and advancing the construction of rural social credit systems in China., Competing Interests: Declaration of Competing Interest The authors declare that they have no known competing financial interests or personal relationships that could have appeared to influence the work reported in this paper, (Copyright © 2024 Elsevier Ltd. All rights reserved.)

The Covid-19 outbreak had a critical impact on a massive amount of human activities as well as the global health system. On the other hand, the lockdown and related suspension of working activities reduced pollution emissions. The use of biomonitoring is an efficient and quite recent tool to assess environmental pollution through the analysis of a proper bioindicator, such as bees. This study set out to ascertain the impact of the Covid-19 pandemic lockdown on the environmental occurrence of eleven heavy metals in the Campania region (Italy) by analyzing bees and bee products. A further aim of this study was the assessment of the Honeybee Contamination Index (HCI) in three different areas of the Campania region and its comparison with other Italian areas to depict the current environmental pollutants levels of heavy metals. The results showed that the levels of heavy metals bioaccumulated by bees during the pandemic lockdown (T1) were statistically lower than the sampling times after Covid-19 restrictions and the resumption of some or all activities (T2 and T3). A comparable trend was observed in wax and pollen. However, bee, pollen, and wax showed higher levels of Cd and Hg in T1 than T2 and T3. The analysis of the HCI showed a low contamination level of the sampling sites for Cd and Pb, and an intermediate-high level as regards Ni and Cr. The biomonitoring study highlighted a decrease of heavy metals in the environmental compartments due to the intense pandemic restrictions. Therefore, Apis mellifera and other bee products remain a reliable and alternative tool for environmental pollution assessment., (Copyright © 2022 Elsevier Ltd. All rights reserved.)