An Optimal Credit Scoring Model Based on the Maximum Default Identification Ability for Chinese Small Business

Table 4

The original data and standardized data of 16 indicators of small enterprises.

(a) indicator	The 3045 original data			The 3045 standardized data xij
				50 default customers			2995 nondefault customers
	(1) customer 1	…	(3045) customer 3045	(3046) customer 1	…	(3095) customer 50	(3096) customer 51	…	(6090) customer 3045
X1 net cash flow ratio from current liabilities operating activities	−0.054	…	0.136	0.472	…	0.461	0.000	…	0.496
X2 super-quick ratio	0.23	…	0.28	0.041		0.037	0	…	0.050
X3 total outstanding loans to total assets ratio	0	…	0	1		1	0	…	1
X4 net cash flow from operating activities (yuan)	−2206060	…	45459230	0.487		0.496	0.859	…	0.734
X5 working capital allocation ratio	−0.22	…	0.09	0		1	0	…	0.061
X6 retained earnings growth rate	0.888	…	0.888	0.519	…	0.501	0.503	…	0.513
X7 consumer price indicator	101.4	…	105.4	1	…	0.951	1	…	0.976
X8 controlled income of each urban resident (yuan)	9101	…	26921	0.182		0.452	0.182	…	0.719
X9 Engel coefficient	39.400	…	36.200	0.651	…	0.838	0.651	…	0.790
X10 working time in relevant industry	0	…	10 years	0	…	0.400	1.000	…	1.000
X11 account opening status	General settlement account	…	General settlement account	0.5		0	0	…	0.5
X12 product sales range	Export	…	Domestic sales	1		0	0	…	0.5
X13 dwelling condition	Home ownership	…	Home ownership	1		1	0	…	1
X14 working time holding the position	None	…	4	0	…	0.400	1.000	…	0.400
X15 enterprise credit in 3 years	Have default record and unclear	…	Have credit record and no default	0	…	0	0	…	1.000
X16 score of pledged collateral	Land use right of industrial land	…	Other corporate guarantees	0.669	…	0.649	0.100	…	0.570
Default or nondefault	1	…	0	1	…	1	0	…	0