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| Primary indicators | Secondary indicators | Index description |
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| Subject’s personal credit risk | Age | Continuous variable |
| Gender | Male = 1, female = 0 |
| Education level | Junior high school and below = 1, high school and technical secondary school = 2, junior college and above = 3 |
| Assets and liabilities | Continuous variable |
| Main operating risk | Whether to buy agricultural insurance | Yes = 0, no = 1 |
| Degree of grasp of market conditions | Understand = 1, sure = 2, more sure = 3 |
| Stable and reliable sales channels | With = 0, without = 1 |
| Stable and high-quality production material purchase channels | With = 0, without = 1 |
| Is there simple electronic management? | With = 0, without = 1 |
| Whether there are professional and technical personnel worker | With = 0, without = 1 |
| Revenues | Continuous variable |
| Whether to guarantee others | Yes = 0, no = 1 |
| Years of agricultural employment | Continuous variable |
| Invest outward | Yes = 0, no = 1 |
| Is there mechanized automatic equipment? | With = 0, without = 1 |
| Risks of biological assets | Difficulty of realization of biological assets | Easier = 1, medium = 2, hard = 3 |
| Is the product of high-quality? | Yes = 0, no = 1 |
| Is the value of biological assets easy to valuate? | Yes = 0, no = 1 |
| Policy and market risk | Number of regional asset appraisal institutions | Less = 1, more = 0 |
| Biological asset market price fluctuation range | Small = 1, medium = 2, big = 3 |
| Is there any environmental policy risk? | With = 0, without = 1 |
| Result | Is there a greater risk? | Yes = 0, no = 1 |
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