Research Article
Construction of Credit Evaluation Index System for Two-Stage Bayesian Discrimination: An Empirical Analysis of Small Chinese Enterprises
Table 4
Screening results of the first stage of parametric Bayesian discrimination.
| No. | (1) Indicator name | (2) | (3) | (4) | (5) | (6) Result |
| 1 | Asset-liability ratio | 0.00% | 0.00% | — | — | Deleted | … | … | … | … | 6 | Net cash | 0.65% | 0.65% | 7 | Capital immobilization ratio | −5.88% | 5.88% | 27.31% | 27.31% | Retained | … | … | … | … | … | … | 14 | Noncurrent liabilities ratio of net cash flow from operating activities | −0.34% | 0.34% | 1.58% | 95.99% | 15 | Total capitalization rate | −0.28% | 0.28% | 1.30% | 97.29% | Deleted | … | … | … | … | … | … | 20 | The ratio of net assets to the loan balance at the end of the year | −0.01% | 0.01% | 0.05% | 100.00% |
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