Taking the case of Zhejiang Province as a sample, this paper uses the spatial measurement method to systematically explore the impact of geographical agglomeration on the business credit environment. The results show that: (1) geographic agglomeration has a significant role in promoting the optimization of business credit environment, and the impact of output agglomeration is greater than that of capital and employment agglomeration; (2) the coastal area changes from acquaintance society to stranger society, with the gradual optimization of business credit environment, the credit environment in non coastal areas is more sensitive to economic situation and capital characteristics; (3) the institutional threshold of sub provincial cities is more sensitive to geographical agglomeration To a certain extent, it will distort and significantly reduce the business credit environment; (4) capital agglomeration and employment agglomeration will significantly improve the business credit environment of credit demonstration cities.