Establishment of the Credit Indicator System of Micro Enterprises Based on Support Vector Machine and R-Type Clustering

Table 4

The results of first round of indicator selection based on SVM.

Serial number	(a); Criteria layer	(b); Indicator name	(%)	(%)	Selection results
0	—	All indicators	83.03	—	—
1	Internal financial factors	Quick ratio	91.37	8.37	Delete
35		The ratio of EBITDA and total debt	83.03	0.00	Delete
36		Nonfinancial factors within the enterprise	The years of employment in relevant industry	74.70	−8.33	Retain
62	Gender		83.03	0.00	Delete
63	External macro environmental factors		The growth rate of GDP	83.03	0.00	Delete
68		Pledge score	74.70	−8.33	Retain