Research on Credit Risk Measurement of Small and Micro Enterprises Based on the Integrated Algorithm of Improved GSO and ELM

Table 1

Description of index system.

Index category	Specific index
Enterprise credit	: sesame enterprise credit score
Development capacity	: growth rate of total assets
	: growth rate of owner’s equity
Risk level	: financial leverage
Profitability	: net profit margin of total assets
	: growth rate of return on net assets
Quality of enterprise owner	: education level of enterprise owners
Operating capacity	: sales expense growth rate
	: sales expense rate
Innovation ability	: number of patents