Construction and Application Research of Isomap-RVM Credit Assessment Model

Table 2

Sample characteristic index.

Type	Variables	Name of index
Cash flow capacity		Cash Interest Cover
		Ratio of Cash to Operating Revenue
Return on equity		Earnings per Share
		Ratio
		Net Assets per Share
Earning capacity		Return on Equity (ROE)
		Return on Assets (ROA)
		Net Profit Margin of Fixed Assets
Operating capacity		Accounts Receivable Turnover
		Inventories Turnover
		Ratio of Current Assets to Income
		Current Assets Turnover
		Total Assets Turnover
Growth capacity		Capital Preservation & Appreciation Rate
		Growth Rate of Fixed Assets
		Growth Rate of Total Assets
		Growth Rate of Operating Revenue
Risk level		Financial Leverage
Short-term solvency		Current Ratio
		Quick Ratio
		Cash Ratio
		Ratio of Working Capital to Net Assets
Long-term solvency		Ratio of Liabilities to Total Assets
		Times Interest Earned
		Ratio of Debt to Equity