Credit Risk Assessment for Small and Microsized Enterprises Using Kernel Feature Selection-Based Multiple Criteria Linear Optimization Classifier: Evidence from China
Table 4
Small and microsized enterprises’ behaviour information.
Variable
Variable name
Variable definition
Whether the wages of employees in the past 12 months can be paid on time
Yes 1, no 0
Employees provided with insurance
The proportion of employees provided with insurance
Whether water, electricity, and tax fees are abnormal in the past 12 months
Abnormal times of water, electricity, and tax in the past 12 months
Change of manager in the past three years
The number of the changes of the general manager in the past three years
Whether has credit business with the bank
Yes 1, no 0
Overdue enterprise loans
Overdue days of enterprises’ loans
Whether affiliated enterprises is abnormal
Yes 1, no 0
Mortgage and pledge status
Whether the mortgage and pledge of enterprises is abnormal
