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

Table 5

Credit evaluation indicator system.

(1) serial number	(2) The standard layer	(3) The index name	(4) Indicator type
1	Basic situation	Academic degree	Forward direction
2		Age	Interval type
3		House value	Forward direction
4	Repayment ability	Skills of lenders and their families	Forward direction
5		Annual net income is a multiple of GDP per capita	Forward direction
6		Total property	Forward direction
7		Net income of lenders	Forward direction
8		Expenditure-income ratio	Negative direction
9	Willingness to repay	Living conditions	Forward direction
10		Private lending	Forward direction
11		Is there any default	Forward direction
12		Loan records of lenders	Forward direction
13		Is there any guarantee	Forward direction
14		Ensure personnel strength	Forward direction
15	Macroenvironment	Per capita net income of rural households (yuan)	Forward direction
16		Engel coefficient	Negative direction