New Combined Weighting Model Based on Maximizing the Difference in Evaluation Results and Its Application

Table 3

Weights of different types of weighting method.

(1) Number	(2) Feature layer	(3) Indices	(4) Order rational ratio of G1	(5) G1 weight	(6) Importance degree ratio of G2	(7) G2 weight	(8) Variation coefficient	(9) Variation coefficient weight	(10) Deviation weight	(11) Combined weight
1	Basic information	Education background	—	0.0537	1.2	0.0432	0.1967	0.0106	0.0224	0.0270
2		Age	0.9	0.0596	1.3	0.0468	0.6725	0.0364	0.0283	0.0392
3		Years for a business license	0.8	0.0745	1.5	0.0540	0.3947	0.0213	0.0507	0.0462
4		Owned place of business or not	1.1	0.0677	1.6	0.0576	0.1578	0.0085	0.0333	0.0347
5		Number of labor force	1.2	0.0565	1.4	0.0504	2.3502	0.1270	0.0324	0.0701
6		Family expenditure	1.1	0.0513	1.3	0.0468	0.6758	0.0365	0.0481	0.0448
7	Guarantee and joint guarantee	Gender of guarantor	1.2	0.0428	1.3	0.0468	0.2293	0.0124	0.0264	0.0273
8		Strength of the guarantor	0.8	0.0535	1.5	0.0540	3.2307	0.1746	0.0093	0.0769
9		Marital status of guarantor	1.1	0.0486	1.4	0.0504	1.2054	0.0652	0.0062	0.0387
10		Credit status of joint guarantor	1.1	0.0442	1.2	0.0432	0.6646	0.0359	0.0408	0.0401
11	Capacity of repayment	Liquidity ratio	1.1	0.0402	1.3	0.0468	0.1349	0.0073	0.0156	0.0211
12		Asset-liability ratio	1.0	0.0402	1.3	0.0468	0.4407	0.0238	0.0302	0.0319
13	Capacity of profitability	Net income	0.8	0.0502	1.6	0.0576	0.3874	0.0209	0.0758	0.0508
14		Operating income	1.1	0.0456	1.6	0.0576	4.1970	0.2269	0.0525	0.1087
15		Average tax each month	1.1	0.0415	1.4	0.0504	0.4961	0.0268	0.0688	0.0476
16	Capacity of operation	Accounts receivable turnover	0.9	0.0461	1.3	0.0468	0.4517	0.0244	0.0799	0.0515
17		Inventory turnover	1.1	0.0419	1.2	0.0432	0.7739	0.0418	0.1127	0.0680
18		Operation time	1.1	0.0381	1.2	0.0432	0.3333	0.0180	0.0685	0.0432
19	Macro environment	Per capita savings balance	1.1	0.0346	1.1	0.0396	0.2148	0.0118	0.0437	0.0310
20		GDP growth rate	1.0	0.0346	—	0.0352	0.9733	0.0526	0.0873	0.0598
21		Industry cycle index	1.0	0.0346	1.1	0.0396	0.3194	0.0173	0.0671	0.0414