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