Research Article
Construction of Credit Evaluation Index System for Two-Stage Bayesian Discrimination: An Empirical Analysis of Small Chinese Enterprises
Table 6
Index system results of the second stage of nonparametric Bayesian discrimination.
| No. | (1) Criterion layer | (2) Indicator name |
| 1 | Internal financial factors | Current liabilities net cash flow ratio of operating activities | 2 | Quick ratio | 3 | Cash ratio of main business income | 4 | Recovery rate of all assets in cash | 5 | Ratio of net assets to the loan balance at the end of year | 6 | Cash ratio | 7 | Total outstanding loans as a percentage of total assets | 8 | Total liabilities net cash flow ratio of operating activities | 9 | Operating profit ratio | 10 | Gross profit rate | 11 | Cost-profit ratio | 12 | Net cash flow from operating activities | 13 | Working capital allocation ratio | 14 | Rate of return on investment | 15 | Growth rate of operating income | 16 | Growth rate of total assets |
| 17 | Internal nonfinancial factors | Working experience in related industry | 18 | Date of establishment |
| 19 | External environment | Industry sentiment index |
| 20 | Debtor basic information | Legal representative loan default record | 21 | Age | 22 | Time in that position |
| 23 | Business reputation | Legal disputes in enterprises | 24 | Collateral guarantee factor | Collateral score |
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