Risk Assessment of Biological Asset Mortgage Loans of China’s New Agricultural Business Entities

Table 10

The risk assessment index system of biological asset mortgage loans for new agricultural business entities.

Primary indicators	Secondary indicators	Index importance value
Subject’s personal credit risk	Assets and liabilities	0.0561
	Education level	0.0559
	Age	0.0222
	Gender	0.0097
Main operating risk	Whether to buy agricultural insurance	0.1537
	Degree of grasp of market conditions	0.1224
	Stable and reliable sales channels	0.0990
	Stable and high-quality production material purchase channels	0.0525
	Whether there is simple electronic management	0.0501
	Whether there are professional and technical personnel worker	0.0450
	Revenues	0.0386
	Whether to guarantee others	0.0329
	Years of agricultural employment	0.0291
	Invest outward	0.0255
	Whether there is mechanized automatic equipment	0.0212
Risks of biological assets	Difficulty of realization of biological assets	0.0600
	Is the value of biological assets easy to evaluate?	0.0192
Policy risk and market risk	Number of regional asset appraisal institutions	0.0503
	Biological asset market price fluctuation range	0.0316
	Whether there is any environmental policy risk	0.0246