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

Table 5

The second round of indicator selection based on R-type clustering.

Serial number	(a); Criteria layer	(b); Indicator name	Clusters	Sig. value of - test		Selection results
1	Internal financial factors	Cash recovery rate of all assets	The 1st cluster	0.2698	25.820	Retain
4		Net cash flow from operating activities			10.259	Delete
17		The ratio of shareholders’ equity			The 8th cluster	0.0535	16.533	Retain
18		The ratio of assets and liabilities	16.464	Delete
19		Nonfinancial factors within the enterprise	The proportion of the total amount of money withdrawn by the enterprise through the bank	The 9th cluster	0.2161	8.227	Retain
20			The range of product sales			4.726	Delete
36	The credit situation of enterprise in the last three years		The 18th cluster	0.0357	48.551	Retain
37	The level of enterprise’s in place registered capital				11.510	Delete
39	External macro environmental factors		Industry sentiment indicator	The 19th cluster	—	3.324	Retain
40		Engel coefficient	The 20th cluster	0.8550	81.689	Retain
43		Per capita disposable income of urban residents			80.611	Delete