The Credit Asset of Enterprise Accounts Receivable Pricing Model

Table 4

Buyer nonfinancial index cluster.

Risk classification	Symbol and importance degree, weight	Index and range	Fractional quantification instructions
The buyer’s willingness to repay and refinancing capacity, and the credibility of the business and entrepreneur	I1; 2; 0.1190	(i) Basic credit information of enterprises [0, 1]	0 means honesty, 1 means dishonesty. The higher the score is, the higher the degree of dishonesty is and the higher the degree of default loss is.
	I2; 4; 0.1857	(ii) Corporate Public Credit Information Index [0, 1]
	I3; 4; 0.1857	(iii) Corporate Financial Credit Information Index [0, 1]
	I4; 3; .1524	(iv) Enterprise market credit information index [0, 1]
	I5;1; 0.0857	(v) Entrepreneur quality index [0, 1]
	I6; 3; 0.1524	(vi) Entrepreneur Loss Index [0, 1]
	I7; 2; 0.1191	(vii) Entrepreneur trustworthy index [0, 1]
	Others;	Enterprise catastrophic indicators;	Only exists in extreme cases.
		Entrepreneur disastrous indicators;
		Others