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

Table 4

Data descriptive statistical analysis.

Index	Mean	Standard deviation	Minimum	Maximum
Age	46.82	8.08	23	67
Gender	0.14	0.35	0	1
Education level	1.61	0.75	1	3
Assets and liabilities	0.36	0.65	0	12.5
Whether to buy agricultural insurance	0.54	0.50	0	1
Degree of grasp of market conditions	2.34	0.58	1	3
Stable and reliable sales channels	0.20	0.40	0	1
Stable and high-quality production material purchase channels	0.32	0.47	0	1
Whether there is simple electronic management	0.67	0.47	0	1
Whether there are professional and technical personnel worker	0.49	0.50	0	1
Revenues	0.29	0.21	−1	0.9
Whether to provide guarantee for others	0.71	0.45	0	1
Years of agricultural employment	12.13	8.11	1	43
Invested outward	0.79	0.41	0	1
Is there mechanized automatic equipment?	0.61	0.49	0	1
Difficulty of realization of biological assets	2.21	0.77	1	3
Is the product of high-quality?	0.87	0.33	0	1
Is the value of the biological assets easy to evaluate?	0.32	0.47	0	1
Number of regional asset appraisal institutions	0.37	0.48	0	1
Biological asset market price fluctuation range	1.40	0.75	1	3
Whether there is any environmental policy risk	0.70	0.46	0	1
Whether there is a risk	0.25	0.43	0	1