A Novel Imbalanced Data Classification Approach Based on Logistic Regression and Fisher Discriminant

Table 2

Extensive index set of small private business credit rating.

() Feature layers	() Indicators	() Screening result	() Indicators	() Screening result
basic information	education background	Deleted by logistic regression	industry	Reserved
	years for a business license	Deleted by logistic regression	area ratio of disposable assets	Unavailability delete
	guarantee and joint guarantee	gender of guarantor	Deleted by logistic regression	the relationship between guarantor and borrower	Deleted by logistic regression
strength of the guarantor		Reserved	the amount of collateral security	Unavailability delete
capacity of repayment		liquidity ratio	Deleted by logistic regression	private loan amount	Deleted by logistic regression
	asset-liability ratio	Reserved
			cash flow to current liabilities ratio	Unavailability delete
capacity of profitability	return on net assets	Reserved	return on assets	Deleted by logistic regression
	total assets	Deleted by logistic regression	industry experience	Unavailability delete
	capacity of operation	accounts receivable turnover	Deleted by logistic regression	operating costs	Deleted by logistic regression
fixed assets turnover		Deleted by correlation analysis	operation capacity	Unavailability delete
macroenvironment		per capita savings balance	Deleted by logistic regression
			Industry cycle index	Reserved
	consumer price index	Deleted by correlation analysis	business region location	Unavailability delete