{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,3,9]],"date-time":"2026-03-09T00:30:26Z","timestamp":1773016226048,"version":"3.50.1"},"reference-count":33,"publisher":"Wiley","license":[{"start":{"date-parts":[[2020,11,25]],"date-time":"2020-11-25T00:00:00Z","timestamp":1606262400000},"content-version":"unspecified","delay-in-days":0,"URL":"https:\/\/creativecommons.org\/licenses\/by\/4.0\/"}],"funder":[{"name":"Basic Scientific Research of Central University","award":["2232020b-02"],"award-info":[{"award-number":["2232020b-02"]}]},{"DOI":"10.13039\/501100006249","name":"Donghua University","doi-asserted-by":"publisher","award":["2232020b-02"],"award-info":[{"award-number":["2232020b-02"]}],"id":[{"id":"10.13039\/501100006249","id-type":"DOI","asserted-by":"publisher"}]}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Complexity"],"published-print":{"date-parts":[[2020,11,25]]},"abstract":"<jats:p>The large-scale proliferation of China\u2019s new type of agricultural entities has given rise to a higher demand for funds. Farmers have insufficient effective collateral, which makes it difficult for them to obtain sufficient loans. Chinese financial institutions have developed a biological asset mortgage loan business to cope with this situation. China has not considered biological mortgages but has been using real estate and asset mortgage models with strong realizability. This innovative financial business has achieved positive results since it was attempted, but it also faces many risks. It is very important to comprehensively and accurately consider the risk factors of biological asset mortgage loans. Based on 1249 production and operation data samples of new agricultural entities in Zhejiang, Henan, and Shandong provinces, this study constructs an XGBoost model for empirical analysis and compares it with logical regression, support vector machine, and random forest algorithms to obtain the optimal model and feature importance value. According to the characteristic importance value, a biological asset mortgage loan risk assessment system with 4 primary indicators and 20 secondary indicators is established, which can effectively identify the biological asset mortgage loan risk of new agricultural entities.<\/jats:p>","DOI":"10.1155\/2020\/8865840","type":"journal-article","created":{"date-parts":[[2020,11,26]],"date-time":"2020-11-26T20:20:09Z","timestamp":1606422009000},"page":"1-12","source":"Crossref","is-referenced-by-count":9,"title":["Risk Assessment of Biological Asset Mortgage Loans of China\u2019s New Agricultural Business Entities"],"prefix":"10.1155","volume":"2020","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-4389-0838","authenticated-orcid":true,"given":"Shuzhen","family":"Zhu","sequence":"first","affiliation":[{"name":"Glorious Sun School of Business and Management, Donghua University, Shanghai 20051, China"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-7804-9096","authenticated-orcid":true,"given":"Yutao","family":"Chen","sequence":"additional","affiliation":[{"name":"Glorious Sun School of Business and Management, Donghua University, Shanghai 20051, China"}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-2136-3583","authenticated-orcid":true,"given":"Wenwen","family":"Wang","sequence":"additional","affiliation":[{"name":"Glorious Sun School of Business and Management, Donghua University, Shanghai 20051, China"}]}],"member":"311","reference":[{"key":"1","first-page":"73","article-title":"Evaluation of the development level of my country\u2019s new agricultural management system","volume":"9","author":"X. 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