Level 1 Indexes

Level 2 Indexes

Level 3 Indexes

Credit Risk

Basic situation

Gender (male = 0, female = 1), age, marital status (single = 0, married = 1, divorce = 2), education (middle school and under = 1, high school and technical secondary school = 2, college and above = 3), health (health = 0, sub-health = 1), have management experience (yes = 0, no = 1), has enterprises and institutions work experience (yes = 0, no = 1), years of farm work, multiple occupations/professional (full-time = 0, part-time = 1);

Debt paying ability

Total household assets, outstanding bank loans, other loan amounts;

The risk of moral hazard

Whether there is a record of default (yes = 0, no = 1); Is there any introduction of acquaintances in the loan process (yes = 0, no = 1); Local credit environment

Operational Risk

Natural risk

Whether to buy agricultural insurance (yes = 0, no = 1);

Financial risk

Total asset-liability ratio, sales profit margin, investment in agricultural production facilities, whether there is an external guarantee (yes = 0, no = 1), whether there is an external investment (yes = 0, no = 1);

Technical risk

Whether there are professional technical personnel (yes = 0, no = 1), and whether there is mechanical automation equipment (yes = 0, no = 1);

Production management risk

Production scale, with or without simple electronic management (with = 0, without = 1);

Policy risk

Whether there are policy risks such as environmental protection (yes = 0, no = 1), land transfer life;

Market Risk

Price risk

The understanding of the market price fluctuation (follow the trend = 0, understand = 1, be sure = 2), whether the product is a local excellent specialty (yes = 0, no = 1), whether the product is a registered trademark (yes = 0, no = 1), whether the product is certified (yes = 0, no = 1);

Supply and demand risk

Whether there are long-term and stable purchase channels (there is = 0, no = 1), whether there are long-term stable sales channels (there is = 0, no = 1).