A Novel Approach for Reducing Attributes and Its Application to Small Enterprise Financing Ability Evaluation

Table 7

The attribute reduction process of financing ability evaluation for 713 small enterprises.

(1) No.	Criterion layer	Attribute	Attribute types	Original data			Standard data			(1431) Reduction results
				(5); Enterprise 1	⋯	(717) Enterprise 713	(718); Enterprise 1	⋯	(1430); Enterprise 713
1	enterprise basic situation	the education background of enterprise legal person	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Reserve
2		local residence permission of enterprise legal person	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Reserve
3		the gender of enterprise legal person	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Reserve
4		the age of enterprise legal person	Interval	36.000	⋯	40.000	1.000	⋯	1.000	Delete by test significance discrimination
5		years for the job of enterprise legal person	Qualitative	0.400	⋯	1.000	0.400	⋯	1.000	Reserve
6		enterprise registered capital category	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Delete by correlation analysis
7		enterprise credit, nearly three years	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Delete by correlation analysis
8		enterprise tax records	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Reserve
9		enterprise legal disputes	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Delete by correlation analysis
10		enterprise law-abiding business conditions	Qualitative	0.500	⋯	1.000	0.500	⋯	1.000	Reserve
11		the number of contract breaches between enterprises	Qualitative	1.000	⋯	1.000	1.000	⋯	1.000	Delete by correlation analysis
12	debt paying ability	asset liability ratio	Negative	0.501	⋯	0.463	0.474	⋯	0.513	Delete by test significance discrimination
13		current liabilities business activities net cash flow ratio	Positive	0.000	⋯	−0.024	0.492	⋯	0.492	Delete by test significance discrimination
14		interest safeguard multiple	Positive	0.000	⋯	0.000	0.440	⋯	0.440	Delete by test significance discrimination
15		quick ratio	Positive	0.200	⋯	0.320	0.457	⋯	0.459	Reserve
16		current ratio	Positive	0.830	⋯	0.600	0.471	⋯	0.469	Delete by correlation analysis
17		the main business income cash ratio	Positive	1.240	⋯	1.000	0.694	⋯	0.625	Reserve
18		profit current liabilities ration before interest and tax	Positive	0.084	⋯	−0.115	0.489	⋯	0.486	Delete by correlation analysis
19		full capitalization rate	Negative	0.000	⋯	0.000	1.000	⋯	1.000	Reserve
20		all assets cash recovery rate	Positive	0.000	⋯	−0.011	0.475	⋯	0.466	Delete by test significance discrimination
21		shareholders’ equity ratio	Positive	0.499	⋯	0.537	0.474	⋯	0.513	Delete by correlation analysis
22		superquick ratio	Positive	0.097	⋯	0.288	0.476	⋯	0.479	Delete by correlation analysis
23		net profit cash content	Positive	0.000	⋯	0.210	0.496	⋯	0.496	Delete by test significance discrimination
24		the ratio of net assets and year-end loan balance	Positive	1.970	⋯	2.350	0.493	⋯	0.494	Delete by test significance discrimination
25	debt paying ability	capital fixed ratio	Negative	1.170	⋯	1.345	0.485	⋯	0.479	Delete by test significance discrimination
26		Cash ratio	Positive	0.010	⋯	0.240	0.468	⋯	0.474	Delete by correlation analysis
27		long-term assets appropriate rate	Positive	0.850	⋯	0.740	0.467	⋯	0.467	Delete by test significance discrimination
28		total outstanding loans accounted for the proportion of net assets	Negative	0.000	⋯	0.000	0.530	⋯	0.497	Delete by test significance discrimination
29		total outstanding loans accounted for the proportion of general assets	Negative	0.000	⋯	0.000	1.000	⋯	0.950	Delete by test significance discrimination
30		noncurrent liabilities business activities net cash flow ratio	Positive	−155.323	⋯	−155.323	0.000	⋯	0.000	Reserve
31		total liabilities business activities net cash flow ratio	Positive	0.000	⋯	−0.024	0.492	⋯	0.492	Delete by correlation analysis
32		the ratio of EBITDA and total debt	Positive	0.084	⋯	−0.115	0.488	⋯	0.485	Delete by correlation analysis
33	enterprise profitability	net assets income rate	Positive	0.085	⋯	−0.097	0.495	⋯	0.440	Delete by test significance discrimination
34		sales net rate	Positive	0.000	⋯	−0.012	0.506	⋯	0.505	Delete by test significance discrimination
35		sales net profit rate	Positive	0.098	⋯	−0.059	0.716	⋯	0.693	Delete by test significance discrimination
36		total assets return rate	Positive	0.070	⋯	−0.030	0.497	⋯	0.450	Reserve
37		operating profit rate	Positive	0.100	⋯	−0.060	0.563	⋯	0.539	Delete by test significance discrimination
38		cost net interest rate	Positive	0.109	⋯	−0.056	0.497	⋯	0.484	Delete by correlation analysis
39		gross profit rate	Positive	0.320	⋯	0.010	0.822	⋯	0.741	Reserve
40		cost-profit ratio	Positive	0.109	⋯	−0.057	0.495	⋯	0.482	Delete by correlation analysis
41		EBITDA	Positive	1016249.670	⋯	−11686752.290	0.658	⋯	0.599	Reserve
42		EBITDA profit rate	Positive	0.098	⋯	−0.060	0.509	⋯	0.492	Delete by correlation analysis
43		net profit	Positive	1016249.670	⋯	−11451533.390	0.661	⋯	0.604	Delete by correlation analysis
44		net cash flow from operating activities	Positive	0.000	⋯	−2404133.970	0.503	⋯	0.492	Delete by test significance discrimination
45	operation ability	accounts receivable turnover speed	Positive	4.450	⋯	45.060	0.469	⋯	0.519	Delete by test significance discrimination
46		inventory turnover speed	Positive	1.150	⋯	6.880	0.478	⋯	0.482	Delete by test significance discrimination
47		total assets turnover speed	Positive	0.480	⋯	0.890	0.350	⋯	0.400	Delete by test significance discrimination
48		current assets turnover speed	Positive	1.038	⋯	3.207	0.428	⋯	0.648	Delete by test significance discrimination
49		fixed assets turnover speed	Positive	0.797	⋯	1.308	0.484	⋯	0.484	Delete by test significance discrimination
50		shareholders’ equity turnover speed	Positive	0.866	⋯	1.656	0.443	⋯	0.455	Delete by test significance discrimination
51		working capital allocation ratio	Positive	−0.204	⋯	−0.668	0.977	⋯	0.969	Delete by test significance discrimination
52		rate of return on investment	Positive	0.000	⋯	0.000	0.490	⋯	0.490	Reserve
53		accounts payable turnover speed	Negative	2.214	⋯	28.245	0.791	⋯	0.780	Delete by test significance discrimination
54		cash cycle	Positive	3.386	⋯	23.695	0.502	⋯	0.507	Delete by correlation analysis
55	development potential	business revenue growth rate	Positive	−0.540	⋯	0.030	0.463	⋯	0.483	Delete by test significance discrimination
56		profit growth rate	Positive	−0.620	⋯	0.160	0.495	⋯	0.496	Delete by test significance discrimination
57		total assets growth rate	Positive	0.024	⋯	0.020	0.471	⋯	0.471	Delete by test significance discrimination
58		capital accumulation rate	Positive	3.350	⋯	−1.780	0.494	⋯	0.494	Delete by test significance discrimination
59		retained earnings growth rate	Positive	0.008	⋯	5.781	0.494	⋯	0.498	Delete by test significance discrimination
60		new product identification level	Qualitative	0.000	⋯	0.750	0.000	⋯	0.750	Reserve
61		patent status	Qualitative	0.000	⋯	0.500	0.000	⋯	0.500	Reserve
62		product sales scope	Qualitative	1.000	⋯	0.500	1.000	⋯	0.500	Reserve
63		brand product level	Qualitative	0.000	⋯	0.750	0.000	⋯	0.750	Reserve
64	enterprise external macroconditions	industry cycle index	Positive	123.200	⋯	135.300	0.578	⋯	0.700	Reserve
65		urban residents per capita savings yearend balance	Positive	31965.990	⋯	44133.430	0.343	⋯	0.491	Delete by test significance discrimination
66		the GDP growth rate	Positive	21.900	⋯	15.000	0.697	⋯	0.346	Delete by test significance discrimination
67		consumer price index (CPI)	Interval	105.100	⋯	103.000	0.994	⋯	1.000	Delete by test significance discrimination
68		urban residents per capita disposable income	Positive	17123.380	⋯	19920.000	0.424	⋯	0.508	Delete by test significance discrimination
69		Engel coefficient	Negative	44.000	⋯	37.000	0.450	⋯	0.755	Delete by test significance discrimination