As China’s agriculture has continued its transition to modern agriculture, agricultural finance has played a crucial role in promoting the rapid development of China’s agriculture. Because agricultural finance is a specific type of finance, very few commercial organisations have focused on investing in the agricultural sector for commercial purposes. Policy finance is therefore an important tool to assist in the development of agricultural finance, which is further complicated by the regional imbalance in agricultural development in the central and western regions of China as well as the east coast region. To maximise returns and avoid agricultural business risks, the eastern coast region utilises a wide range of financial instruments, including agricultural insurance, bank loans, etc. However, the central and western regions are affected by several factors including lack of knowledge of how to use financial instruments, making financial assistance imperative to improve the energy efficiency of agricultural production, which is very limited.
The current study explores the development imbalance and mitigation methods of agricultural finance in central and western regions of China, and it analyses the data from several counties and cities in China. First, He and Qu  investigated the specific consequences of policy finance on financial disincentives for an analysis of the role of policy finance on financial disincentives. The results indicated that the increase in social consumption levels with the support of policy finance mitigated 23.88% of the financial inhibition effect. Considering the causes of financial inhibition, Ding et al.  carried out a quantitative analysis of the factors affecting the financial restraining factor, which concluded that financial demand and financial risk are the main problems associated with agricultural finance in more backward regions, whereas agricultural finance in developed regions is mainly defined by total financial support. Nevertheless, the question of how can increase the awareness of using financial instruments in the more backward regions, by adequately avoiding financial risks, promoting the landing of financial instruments in western regions, and fully exploiting the potential of western agricultural development has been raised. Several recent research studies have been analysed by Wang Yunsheng  for agricultural protection subsidy policy effects, and it was found that the policy agricultural protection subsidy raised farmers’ incomes. By applying NLP tools to agriculture-related policy analysis, Li Qing and Qian Zaijian  used keyword and classification methods to analyse agricultural policies, demonstrating the shift in focus of agricultural policies over the years.
Nevertheless, current research lacks effective and rational methods to effectively interpret key information related to agricultural policies, resulting in a vague understanding of the positive effects of financial instruments in backward agricultural areas of China. The ineffective interpretation of agricultural finance policy support has prevented backward agricultural regions from benefiting from current policies and reduced the ability of farmers to use financial instruments. If we can read and understand the policies from the national level down to the township level, publicise and popularise the uses and risks of financial instruments, and promote the current policies support and insurance business, this will greatly aid in the development of the agricultural industry in Central and Western China. Consequently, farmers will experience less risk and greater profit, and at the same time, they can stay informed of the latest financial support policies according to policy changes, contributing to the agricultural development process at the grassroots level.
With the development of word vector techniques and deep learning, deep learning-based character recognition methods have achieved much better results [5–7]. Ren et al.  applied the idea of target detection to text detection, and found that the network designed for target segmentation was better for detecting English. Ayishathahira et al.  used deep learning models, such as convolutional neural networks (CNNs), bi-directional long and short-term memories (Bi-LSTMs) and conditional random fields (CRFs) to resolve CVs. In their paper, Liu et al.  proposed the RoIRotate method for directed text extraction, which combines detection and recognition into an end-to-end approach. Zu and Wang  proposed an approach based on neural network text classification and word vector for an end-to-end pipeline, which can combine upstream text block segmentation with downstream-specific information recognition. It was proposed by Junxian Zhou and Zhu Ruwei  that a BERT-BiLSTM-CRF architecture-based model could be utilised to extract structured information regarding business licences that would be highly generalisable and accurate.
It is the problem of named entity recognition in natural language processing to achieve structured extraction of key contents from the text information. As a result, neural networks and pre-trained models are widely used in natural language processing. This model has been widely used in various fields of natural language processing. The ELECTRA model performs better in small model conditions compared to the BERT model. Based on the potential of Chinese pre-training models for agricultural finance policy information extraction, this paper presents a model combining the ELECTRA model, bidirectional long- and short-term memory networks (BiLSTM) and CRFs for agricultural finance policy information extraction. To identify agricultural finance policy information, an ELECTRA-BiLSTM-CRF model is proposed to extract the deep features of textual information in various types of agricultural finance policies, which would realise the fast clarification and brief and accurate description of policy key points.
An overview of the general framework of information extraction for agricultural finance policy is provided in Figure 1. Before the extraction of information about agricultural finance policy, a knowledge graph is constructed of the triad of entities, relations and attributes related to agricultural finance, and the obtained text of agricultural finance policy is identified as pure text. Once the plain text has been identified as pure text, it is pre-processed and cleaned to remove special symbols. Finally, the ELECTRA-BiLSTM-CRF-based information extraction model of agricultural finance policy is used to extract and label key information from plain text data. Using ELECTRA-BiLSTM-CRF as an information extraction model for agricultural finance policies, the data are extracted and annotated with key information.
In Figure 2, the ELECTRA-BiLSTM-CRF information extraction model is depicted, which is composed of three modules, such as the ELECTRA module, the BiLSTM module and the CRF module, respectively . The first module is the ELECTRA-BiLSTM-CRF information extraction model. Initially, the text of the agricultural finance policy is fed into the pre-trained ELECTRA model, which generates word vectors of the text. This is then fed into Bi-LSTM to learn the contextual features of the agricultural finance policy. In the final step, the output sequence of BiLSTM is fed into the CRF layer, which solves the global optimisation sequence based on the state transfer matrix and the adjacent labels.
ELECTRA model  is an improved version of the dynamic pre-trained language model BERT, which is used to capture semantic information in agricultural finance policies. ELECTRA has greater learning representation, and since it employs two classifications of judges, it is not necessary to model the entire distribution of data, and it has greater operational efficiency and speed of convergence. Additionally, it can effectively improve the utilisation of information by using its own contextual predictions, which are appropriate for training a model with greater accuracy with fewer data samples. In addition to this, given the issue of possible Chinese character recognition errors during the OCR process, ELECTRA’s training for the generation of model replacement of masked word recognition is beneficial for improving the accuracy of the model in the case of incorrect recognition of words. When the model has error recognition words, entity annotation accuracy is improved.
Figure 3 illustrates the model structure of ELECTRA, which consists of a Generator and a Discriminator. The generator is used primarily to replace some words in a sentence, and the Discriminator is used primarily to determine whether each word in a sentence has been replaced, with the training process predicting all words, which is more efficient than BERT.
The discriminator can easily determine whether the word has been replaced or not by using simple random substitution in ELECTRA. Therefore, ELECTRA trains the Generator using Masked Language Model (MLM) and then replaces the word with the Generator’s prediction. Eqs (1) and (2) show the prediction formulas for Generator Discriminator, respectively.
The loss function of ELECTRA includes the loss function LMLM of the generator and the loss function
In the training process of the ELECTRA model, the weight sharing and joint training with Discriminator models are adopted, which increases the learning and recognition difficulty of the Discriminator step by step. Part of Discriminator.
With ELECTRA’s pre-trained model, it is possible to extract semantic information from text by training it using the MLM method. The semantic recognition training, however, may not be sufficient for the resolution of the problem of near-form word errors when recognising the acquisition of information on the source-side agricultural finance policy. To improve the information extraction abilities of the Discriminator in specific scenarios, the image pre-training model has been further added to the text generation process of the Generator during model training. The specific steps are as follows.
Upon completing the mask on the word, the replacement word sampling is derived from Eq. (4).
Based on the cosine similarity degree of the text corresponding to the image embedding, the zigzag character of
In Generator, replacement samples are generated by replacing the samples of the generation model with zigzag characters with a certain probability to simulate the glyph error problem in OCR recognition.
The Bi-LSTM combines a forward Long Short Term Memory (LSTM) with a backward LSTM. A LSTM Network is one of the most widely used recurrent neural networks, capable of learning the long-term dependent information associated with agricultural finance policy text sequences. In the process of training using agricultural finance policy text, gradient explosion and gradient disappearance problems may occur, but LSTMs are capable of resolving these issues. An LSTM consists of a forgetting door, an input gate, and an output gate.
As shown in Eq. (8), the forgetting door selectively forgets the input information of the previous cell node.
With the input gate, the input information of the current node is retained selectively, and the formula is shown in Eqs (9)–(11).
As the output gate primarily outputs information from the current time node selectively, its equations are shown in Eqs (12) and (13).
LSTMs are capable of effectively filtering and storing information from memory units and of capturing dependency relationships over a longer distance. However, problems arise when LSTM is used to model the text of agricultural finance policy: it can only extract information from the previous text and cannot encode information from backward to front. In the process of extracting agricultural finance policy information, the information of anterior and posterior texts helps to identify relevant information. In this paper, a word vector output from ELECTRA is used as an input to BiLSTM, and the forward and backward LSTMs are then used to determine hidden information of the anterior and posterior texts of agricultural finance policy texts, respectively, and then the two information are stitched together and sent to CRF for the determination of agricultural finance policy information.
As discussed previously, the random field (CRF) is primarily responsible for capturing the dependency relationship between the preceding and following labels, which correspond to the text of agricultural finance policy, and leveraging the global knowledge of label sequences to better predict the labels of agricultural finance policy entities. The CRF is a discriminative, probabilistic, undirected graph model that is commonly used to analyse and label sequential data. The maximum entropy model and the hidden Markov model have been combined in this model to achieve better results in sequence labelling tasks, such as word separation, lexical labelling and named entity recognition.
In this paper, we apply the linear chain CRF, which is the conditional probability distribution
Where, the observation sequence
It is necessary to train and predict an information extraction model based on an annotated database of agricultural finance policies to extract information on agricultural finance policies. By utilising existing structured information on agricultural finance policies on the Internet, we can reduce the workload of manual annotation during the training set construction process. Based on the structured agricultural finance policy information data, we apply the BIO annotation method to automatically annotate the field information of each important aspect of the agricultural finance policy. Meanwhile, the collected texts of agricultural finance policy are categorised and stored separately. The model is first fine-tuned using large batches of automatic production data, and then fine-tuned twice using small batches of real agricultural finance policy data.
This experiment uses three evaluation metrics: precision rate (precision), recall rate (recall) and F1 value (F1-score). The F1 value is a combined evaluation metric for precision rate and recall rate. Eqs (16) and (17) provide the formulas for precision and recall rates.
Eq. (18) shows the formula for the F1 value (F1-score).
The experimental platform utilises an NVIDIA Tesla T4 graphics card with 32 GB of video memory and an Ubuntu 18.04 operating system. In the Electra model, the BERT model is used as the backbone, with 12 layers, 768 hidden units and 12 multi-headed attentions; the BiLSTM input dimension is 768 while the layer dimension is 128. By using the ELECTRA-based Chinese model initialisation weights, the model was fine-tuned in two stages based on both an automatically generated dataset and an OCR real dataset. Adam is the optimiser, the initial learning rate is 0.001 and the number ratio of the training set to the test set is 7:3.
To compare and evaluate the performance of the information extraction model of agricultural finance policy, we developed three models: BERT-BiLSTM-CRF, BiLSTM-CRF, and BiLSTM. One of these is the BiLSTM model which uses Word2Vec as input for pre-trained word vector recognition. With input Word2Vec, the BiLSTM-CRF model adds a CRF layer to BiLSTM. The BERT-BiLSTM-CRF takes advantage of the same neural network structure as that of the proposed model, as well as the BERT-base Chinese pre-training model for initialisation.
Figure 4 illustrates the training of the four models in 100 rounds of epochs. As shown in the figure, the F1 scores of the two models that use the BERT model for word embedding are significantly higher than those of the two models that use Word2Vec for word embedding. Due to the same neural network structure used by both ELECTRA and BERT, the convergence speed of the two models using word embedding is essentially the same, and ELECTRA showed a slightly better accuracy than BERT.
Figure 5 illustrates the performance of the four agricultural finance policy information extraction models on the test set of the agricultural finance policy F1-score. Compared to BiLSTM, BiLSTM-CRF and BERT-BiLSTM-CRF, the BERT-BiLISTM-CRF has the highest F1 score on the test set for the agricultural finance policy. Contrary to the BERT-BiLISTM-CRF, which is based on the BERT model, the model proposed in this paper shows better performance, indicating that the pre-training task developed for the problem of agricultural finance policy labelling is more appropriate.
Figure 6 illustrates the evaluation results of the four models when applied to the same experimental environment and training parameters. According to Figure 6, both models using ELECTRA for word embedding outperform those using BERT or those without BERT. The accuracy rate of the agricultural finance policy information extraction model after 100 rounds of training is 92.02%, the recall rate is 88.31%, and the F1 value is 89.73%, and all the indicators have reached high levels. The results of the study show that when building the agricultural finance policy information extraction model, the model has a stronger ability to extract features as well as higher information extraction accuracy.
To address the problem of obtaining structured information on key information of agricultural finance policies, this paper proposes an agricultural finance policy information extraction model combining the ELECTRA model, bi-directional long- and short-term memory network BiLSTM and CRF information extraction model. To achieve this, the ELECTRA pre-trained language model converts the plain text of agricultural finance policy into word vectors, which are then merged with the BiLSTM deep neural network to learn the textual contextual information and the CRF machine learning model to compute the global optimisation annotation sequence to produce the information of structured agricultural finance policy. In comparison to different models, the agricultural finance policy information extraction model can extract information about agricultural finance policies more effectively and has excellent information extraction characteristics.
Overall, the ELECTRA-BiLSTM-CRF could effectively identify agricultural finance policy information. For future work, the performance of information extraction of ELECTRA-BiLSTM-CRF will be improved and optimised.
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points based on machine learning Analysis of higher education management strategy based on entropy and dissipative structure theory Prediction of corporate financial distress based on digital signal processing and multiple regression analysis Mathematical Method to Construct the Linear Programming of Football Training Multimedia sensor image detection based on constrained underdetermined equation The Size of Children's Strollers of Different Ages Based on Ergonomic Mathematics Design Application of Numerical Computation of Partial Differential Equations in Interactive Design of Virtual Reality Media Stiffness Calculation of Gear Hydraulic System Based on the Modeling of Nonlinear Dynamics Differential Equations in the Progressive Method Knowledge Analysis of Charged Particle Motion in Uniform Electromagnetic Field Based on Maxwell Equation Relationship Between Enterprise Talent Management and Performance Based on the Structural Equation Model Method Term structure of economic management rate based on parameter analysis of estimation model of ordinary differential equation Influence analysis of piano music immersion virtual reality cooperation based on mapping equation Chinese painting and calligraphy image recognition technology based on pseudo linear directional diffusion equation Label big data compression in Internet of things based on piecewise linear regression Animation character recognition and character intelligence analysis based on semantic ontology and Poisson equation Design of language assisted learning model and online learning system under the background of artificial intelligence Study on the influence of adolescent smoking on physical training vital capacity in eastern coastal areas Application of machine learning in stock selection Comparative analysis of CR of ideological and political education in different regions based on improved fuzzy clustering Action of Aut( G) on the set of maximal subgroups of p-groups Research on loyalty prediction of e-commerce customer based on data mining Algebraic Equations in Educational Model of College Physical Education Course Education Professional English Translation Corpus Under the Binomial Theorem Coefficient Geometric Tolerance Control Method for Precision Machinery Based on Image Modeling and Novel Saturation Function Retrieval and Characteristic Analysis of Multimedia Tester Based on Bragg Equation Semiparametric Spatial Econometric Analysis of Household Consumption Based on Ordinary Linear Regression Model Video adaptive watermark embedding and detection algorithm based on phase function equation English Learning Motivation of College Students Based on probability Distribution Scientific Model of Vocational Education Teaching Method in Differential Nonlinearity Research on mobile Awareness service and data privacy Protection based on Linear Equations computing protocol Vocal Music Teaching Model Based on Finite Element Differential Mathematical Equations Studying a matching method combining distance proximity and buffer constraints The trend and influence of media information Propagation based on nonlinear Differential equation Research on the construction of early warning model of customer churn on e-commerce platform Evaluation and prediction of regional human capital based on optimised BP neural network Study on inefficient land use determination method for cities and towns from a city examination perspective A study of local smoothness-informed convolutional neural network models for image inpainting Mathematical Calculus Modeling in Improving the Teaching Performance of Shot Put Application of Nonlinear Differential Equation in Electric Automation Control System Higher Mathematics Teaching Curriculum Model Based on Lagrangian Mathematical Model Computational Algorithm to Solve Two–Body Problem Using Power Series in Geocentric System Decisions of competing supply chain with altruistic retailer under risk aversion Optimization of Color Matching Technology in Cultural Industry by Fractional Differential Equations The Marketing of Cross-border E-commerce Enterprises in Foreign Trade Based on the Statistics of Mathematical Probability Theory Application of Linear Partial Differential Equation Theory in Guiding Football Scientific Training Nonlinear Channel Estimation for Internet of Vehicles Some Necessary Conditions for Feedback Functions of de Bruijn Sequences The Evolution Model of Regional Tourism Economic Development Difference Based on Spatial Variation Function System Model of Shipping Enterprise Safety Culture Based on Dynamic Calculation Matrix Model An empirical research on economic growth from industrial structure optimisation in the Three Gorges Reservoir area The Inner Relationship between Students' Psychological Factors and Physical Exercise Based on Structural Equation Model (SEM) Analysis and Research on Influencing Factors of Ideological and Political Education Teaching Effectiveness Based on Linear Equation Study of agricultural finance policy information extraction based on ELECTRA-BiLSTM-CRF Fractional Differential Equations in Sports Training in Universities Examination and Countermeasures of Network Education in Colleges and Universities Based on Ordinary Differential Equation Model Innovative research of vertical video creation under the background of mobile communication Higher Education Agglomeration Promoting Innovation and Entrepreneurship Based on Spatial Dubin Model Chinese-English Contrastive Translation System Based on Lagrangian Search Mathematical Algorithm Model Genetic algorithm-based congestion control optimisation for mobile data network