Credit Index Screening Model of Family Farms and Family Ranches Based on Fuzzy Bayesian Theory of Depth Weighting

Table 4

Screening results of depth-weighted fuzzy Bayesian indicators.

(1) serial number	(2) The standard layer	(3) The index name	(4)AUC(i)	(5) sample 1	…	(1818) sample 1814	(1819) Aj	(1819)dj	(1820) selection results
1	Basic situation	Academic degree (X11)	0.508	V	…	V	0.74	0.11	Reserve
…		…	…	…		…	…	…	…
11		House value (X1.11)	0.477	U		U	0.73	0.12	Reserve
12	Repayment ability	Skills of lenders and their families (X21)	0.509	V	…	U	0.64	0.21	Reserve
…		…	…	…		…	…	…	…
24		Annual education expenses for the lender’s children (X2.13)	0.469	X		X	0.92	−0.07	Delete
25	Willingness to repay	Living conditions (X31)	0.466	X	…	V	0.87	−0.02	Delete
…		…	…	…		…	…	…	…
38		Joint guarantee relationship (X3.14)	0.499	X		V	0.87	−0.02	Delete
39	Macro environment	Per capita net income of rural households (yuan) (X41)	0.472	U	…	V	0.87	−0.02	Delete
…		…	…	…			…	…	…
44		Engel coefficient (X46)	0.443	V		V	0.73	0.12	Reserve
45	Credit status of Family’s farms and ranches			0	…	2	—	—	—
46	Fuzzy Bayesian classification of Family’s farms and ranches			0	…	2	—	—	—