Research Article
An Optimal Credit Scoring Model Based on the Maximum Default Identification Ability for Chinese Small Business
Table 6
Weights based on the G1 method.
| | (1) Indicator | (2) ri value | (3) Weight |
| | X10 working time in relevant industry | — | 0.212 | | X16 score of pledged collateral | 1 | 0.212 | | X15 enterprise credit in 3 years | 1.8 | 0.118 | | X12 product sales range | 1.4 | 0.084 | | X1 net cash flow ratio from current liabilities operating activities | 1.2 | 0.070 | | X14 working time holding the position | 1 | 0.070 | | X13 dwelling condition | 1.2 | 0.058 | | X11 account opening status | 1.4 | 0.042 | | X4 net cash flow from operating activities (yuan) | 1.2 | 0.035 | | X3 total outstanding loans to total assets ratio | 1.2 | 0.029 | | X2 super-quick ratio | 1.4 | 0.021 | | X5 working capital allocation ratio | 1.4 | 0.015 | | X6 retained earnings growth rate | 1.2 | 0.012 | | X9 Engel coefficient | 1.6 | 0.008 | | X7 consumer price indicator | 1.1 | 0.007 | | X8 controlled income of each urban resident (yuan) | 1 | 0.007 |
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Note: ri values were determined according to the rules in Table 2 by experts. |
