Abstract
This article innovatively builds the infrastructure of farmer credit rating index system into a multilevel unidirectional network structure. First, according to the logical structure of the three-level credit rating index system, a four-level unidirectional network is constructed, and the credit rating calculation formulas of all indexes at the four-level network are established. Furthermore, the special cases of the credit rating formula with the first- and second-level farmer credit rating index system are discussed. On this basis, it is extended to a credit rating index system with more than four levels, and the corresponding credit rating formula is established. Finally, the general formula of credit rating formula of the farmer credit rating index system from first level to multilevel is obtained. In order to solve the problem of farmers' credit rating, this paper also designs a linear segmentation classifier to classify the results of multilayer unidirectional network, establishes the rules of farmers' credit rating and the unidirectional network linear segmentation evaluation model of farmers' credit rating, and discusses the properties of bank credit based on farmers’ credit rating. Finally, the model established in this paper is applied to the credit rating of farmers in A County, Guangdong Province in China. When the credit rating of 160 farmers is carried out, the evaluation results are in line with the actual credit rating of farmers in A County, with an accuracy of 100%. This research has the maneuverability to carry on the scientific credit rating to the countryside. This study has important method guidance and operability for rural credit rating.
Highlights
Academic Editor: Shouwei Li is article innovatively builds the infrastructure of farmer credit rating index system into a multilevel unidirectional network structure
Based on the current social management-based credit rating method, which is already put into practice on a trial in some mountainous townships in China, and the logic structure of the credit rating index system, this paper firstly uses mathematical techniques to present the general description of credit rating system, and it constructs a multilayer unidirectional network for farmers’ credit rating and establishes a linear segment model to evaluate the farmers’ credit grades
As the concepts of rural areas of foreign countries are fundamentally different from that of China, and the percentage of population engaged in farming in foreign countries differs from that in China, as well as the fact that the relevant literatures in foreign countries are obviously different from the actual situations in China. us, the proposed methods in these literatures that can be used as references in China are very rare. erefore, when studying the financial innovation problem of China, we must start with the specific scenarios in rural areas of China, with consideration of different geographic location’s living conditions, business environments, and cultural characteristics, and construct the credit rating system and credit rating method which are compliance with history, economy, and culture of rural areas in China
Summary
In order to evaluate the farmers’ credit grade, firstly we have to select the indexes used to perform the credit rating, namely, we should firstly construct the credit rating index system for farmers. The current popular method adopted in China to conduct farmer’s credit rating is the expert evaluation method It quantifies each of the indexes and takes the summation of scores obtained by each index as the final credit score of the farmer and gives the farmer’s credit grade using this total score. E common one is the twolevel index system Wn are the weights for each 1st-level index; the computational formula of famer’s total credit score grade|2 with two-level index is expressed as follows:. Wn are the weights for the 1st-level indexes, the formula for calculating the farmer’ total credit score grade|1 is n grade|1
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