Credit method, device, equipment for pig breeding industry and medium

Abstract

The invention provides a credit method, device and equipment for the pig breeding industry and a medium, and the method comprises the steps of calculating the operation scale of a client applying fora loan, and determining the number of pigs; determining that the loan limit is the sum of a basic limit and an additional limit, wherein the calculation formula of the basic limit is L = C * S * n% *K1 * K2, wherein L is the basic quota, and C is the average investment cost of each pig, S is the number of pigs, K1 is a scale adjustment coefficient, K2 is a behavior adjustment coefficient, and n is a real number greater than zero, the additional quota = (the insurance amount of the insured pig of the client + the daily average financial assets of the client in the loan bank in recent m months)* 20%, and m is a real number greater than zero; loaning the client according to the determined loan limit; therefore, the problem that no basis is provided for loan limit verification is solved; andthe problem that post-loan management is difficult is solved.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a credit method, device, equipment and medium used in the pig breeding industry. Background technique [0002] (1) At present, when various financial institutions conduct credit business, they conduct investigations on the production scale of the pig breeding industry, basically in accordance with the three measures and one guideline of the original China Banking Regulatory Commission. The investigation relies on investigators entering the production site, through inventory of production equipment, The authenticity and rationality of the production scale are verified by means of investigations such as raw materials and production products. However, due to the impact of African swine fever, financial institutions cannot enter the production site for inspection. It is difficult to determine the scale of production and operation, and it is also impossible to check the authenticity ...

AI Technical Summary

Problems solved by technology

[0002] (1) At present, when various financial institutions conduct credit business, they conduct investigations on the production scale of the pig breeding industry, basically in accordance with the three measures and one guideline of the original China Banking Regulatory Commission. The investigation relies on investigators entering the production site, through inventory of production equipment, The authenticity and rationality of the production scale are checked by means of investigations such as raw materials and production products. However, due to the impact of African swine fever, financial institutions cannot enter the production site for inspection, and it is difficult to determine the scale of production and operation, and it is also impossible to check the authenticity of the financial statements.

[0003] (2) At present, when various financial institutions handle credit business, the method of checking and approving the loan amount is basically carried out in accordance with the three measures and one guideline of the former China Banking Regulatory Commission. On site, the authenticity of the financial statements is difficult to ascertain, and the approval of the loan amount is also distorted

[0004] (3) At present, when various financial institutions handle credit business, they rely on post-loan management personnel to enter the production site and check the production and operation status by counting production equipment, raw materials, and production products. There are two methods for this method: Disadvantages: First, the hog industry is a highly cyclical industry. This post-loan management method does not carry out unified monitoring and early warning for the post-loan management of the entire industry. It relies on personal judgment and is greatly affected by personal experience, ability and sense of responsibility. Second, the current Due to the impact of African swine fever, financial institutions cannot enter the production site for inspection, production and operation are difficult to find out, and traditional post-loan management experience fails. In extreme cases, the company may stop working and cannot be found in post-loan management.

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