Research Article
Construction of Credit Evaluation Index System for Two-Stage Bayesian Discrimination: An Empirical Analysis of Small Chinese Enterprises
Table 1
Standardized data for 81 indicators for small enterprises.
| No. | (1) Criterion layer | (2) Indicator name | (3) Indicator type | (4) Standardized data | Sample 1 | … | Sample 3,111 |
| 1 | Internal financial factors | Asset-liability ratio | Negative | 0.384 | … | 0.419 | … | … | … | … | … | … | 48 | Growth rate of retained earnings | Positive | 0.000 | … | 0.512 |
| 49 | Internal nonfinancial factors | Years of employment in related industries | Qualitative | 0.000 | … | 1.000 | … | … | … | … | … | … | 57 | Proportion of total payment by enterprises through the bank | Positive | 0.000 | … | 1.000 |
| 58 | External macro environment | Industry boom index | Positive | 0.421 | … | 0.742 | … | … | … | … | … | … | 63 | Engel coefficient | Negative | 0.000 | … | 0.755 |
| 64 | Basic credit condition | Enterprises in place of registered capital category | Qualitative | 0.000 | … | 1.000 | 65 | Corporate credit situation in recent three years | Qualitative | 0.000 | … | 1.000 |
| 66 | Business reputation | Corporate tax records | Qualitative | 0.000 | … | 1.000 | … | … | … | … | … | … | 69 | Number of contract breaches between enterprises | Qualitative | 0.000 | … | 1.000 |
| 70 | Debtor basic information | Educational background | Qualitative | 0.700 | … | 1.000 | … | … | … | … | … | … | 80 | Time in that position | Qualitative | 0.000 | … | 0.400 |
| 81 | Collateral guarantee factor | Collateral score | Qualitative | 0.100 | … | 0.000 |
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