银行农业领域客户授信评价

以农机补贴及采购等大数据“增信”，以近三年有获得补贴农机采购金额为基础，结合农机折旧系数、农机主体金融资产等情况，结合银行内部信息，为农机主体综合画像，给予信用额度，为新型农业营业主体及农户提供融资渠道，解决新型农机主体、农户融资难、融资贵的问题。Utilizing big data on agricultural machinery subsidies and purchases for credit enhancement, this dataset is developed based on the purchase volumes of subsidized agricultural machinery over the past three years, integrated with factors such as agricultural machinery depreciation coefficients, financial assets of agricultural machinery operators and internal bank data, to build comprehensive credit profiles for agricultural machinery operators and allocate credit lines to them. It provides financing channels for new-type agricultural business entities and farmers, aiming to address the difficulties and high costs associated with financing for new agricultural machinery operators and farmers.

搜集汇总

背景与挑战

背景概述

该数据集通过农机补贴及采购等大数据，结合农机折旧系数和金融资产信息，为农业领域客户提供信用评价服务，旨在解决融资难题。