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

Table 6

Micro enterprises’ credit evaluation indicator system.

Serial number	(a); Criteria layer	(b); Indicator name	Contrast with 5C elements					AUC value	Validity test
			Quality	Ability	Capital	Guarantee	Environment
1	Internal financial factors	Cash recovery rate of all assets		√				0.630	Pass
2		Net cash flow ratio for nonperforming liabilities operating activities		√				0.571
3		The growth rate of retained earnings		√				0.678
4		Cash ratio of main business income		√				0.689
5		The ratio of shareholders’ equity			√			0.689
6		Net profit		√				0.752
7		Fixed rate of capital			√			0.745
8		The ratio of current liabilities to EBIT		√				0.710
9	Nonfinancial factors within the enterprise	The proportion of the total amount of money withdrawn by the enterprise through the bank		√				0.704	Pass
10		The level of branded products		√				0.564
11		The years of employment in related industry		√				0.769
12		Legal representative’s loan default record	√					0.733
13		The years to hold the post		√				0.748
14		Living condition		√				0.724
15		The credit situation of enterprises in recent three years	√					0.757
16		The situation of enterprise’s law-abiding operation	√					0.703
17		The legal dispute situation of enterprise	√					0.764
18		Pledge score				√		0.725
19	External macro environmental factors	Industry sentiment indicator					√	0.578	Pass
20		Engel coefficient					√	0.855