Credit Rating Model of Family Farms and Ranches Based on Dynamic Dichotomous DEA

Table 2

Differences between this model and existing research.

(1) Representative literature	(2) Division basis	(3) Implementation method	(4) The idea of grading	(5) Classification characteristics
Measures of China construction bank for small business customer evaluation [8]	Credit score	Linear programming	Divide corresponding intervals of credit score	It can be ensured that samples with high credit scores correspond to high grades, thus dividing credit grades
The credit evaluation of small businesses in leasing business services [17]	Sample size	Adjust equally	Divide into enterprise samples equally, and then make dynamic adjustment	It can ensure that enterprise samples are evenly distributed at different levels, but the dynamic adjustment process is somewhat complicated
Inclusive finance, bank credit, and merchant microfinance based on the perspective of risk level matching [18]	Loss given default	Fuzzy clustering	Taking loss given default as the dividing standard	The loss given default from low grade to high grade is gradually reduced
This text	Economic efficiency	Dichotomy of fixed optimal critical interval	Take the maximum efficiency value of farm and pasture samples as the target	Under the condition of ensuring that the higher the credit rating, the lower the loss given default, the efficiency of high rating is the best compared with low rating