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