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Method and device for calculating risk limit of peasant household, program product and storage medium

A calculation method and limit technology, applied in the field of data processing, can solve the problem of not fully considering the gain of farmers' repayment ability, and achieve the effect of obvious gain effect, improvement of refinement, and improvement of credit space

Pending Publication Date: 2022-03-04
CHINA CONSTRUCTION BANK
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] At present, there are various calculation models of risk limits in the industry, but they are usually calculated only based on basic conditions such as farmers’ existing income and family labor force. The calculated risk limits do not fully consider the increase of various conditions on the repayment ability of farmers

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  • Method and device for calculating risk limit of peasant household, program product and storage medium
  • Method and device for calculating risk limit of peasant household, program product and storage medium
  • Method and device for calculating risk limit of peasant household, program product and storage medium

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Embodiment Construction

[0042] The implementation manner of the present invention is illustrated by specific specific examples below, and those skilled in the art can easily understand other advantages and effects of the present invention from the content disclosed in this specification. Although the description of the invention will be presented in conjunction with the preferred embodiment, it does not mean that the characteristics of the invention are limited to the embodiment. On the contrary, the purpose of introducing the invention in conjunction with the embodiments is to cover other options or modifications that may be extended based on the claims of the present invention. The following description contains numerous specific details in order to provide a thorough understanding of the present invention. The invention may also be practiced without these details. Also, some specific details will be omitted from the description in order to avoid obscuring or obscuring the gist of the present inve...

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Abstract

The invention belongs to the technical field of data processing, and particularly discloses a method and device for calculating the risk limit of a peasant household, a program product and a storage medium. The method comprises the following steps: obtaining the related information of the agricultural insurance held by the farmer, wherein the related information at least comprises the insurance type and the holding time limit of the agricultural insurance; establishing an operation income model of the farmer at least partially based on the related information of the agricultural insurance; and establishing a risk limit model of the peasant household based on the operation income model and the asset value model of the peasant household. The method has the advantages that the calculation model of the risk limit is constructed by taking whether the farmer purchases the agricultural insurance or not as one of consideration factors, the gain effect of the agricultural insurance on production and operation of the farmer is fully considered, and the high-quality credit space of the farmer can be further developed.

Description

technical field [0001] The present invention relates to the technical field of data processing, and in particular to a calculation method, device, program product and storage medium of a farmer's risk limit. Background technique [0002] With the development of the rural economy, the credit demand of farmers (including rural collective economic groups and farmers) is increasingly strong. How to evaluate the risk limit of farmers, so as to fully tap the future value of farmers under certain risks and maximize the use of financial markets. Helping farmers has become an important link in the development of rural credit business. [0003] The risk limit refers to the limit set for the market risk measured according to a certain measurement method. In essence, the risk limit reflects the future value of the customer, that is, the maximum amount of debt that the customer can bear. Based on the income or appreciation that the assets held by individual customers may bring in the f...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06G06Q10/04G06Q50/02
CPCG06Q50/02G06Q10/04G06Q10/067G06Q40/03
Inventor 陈丽娜
Owner CHINA CONSTRUCTION BANK