Research Article
Construction of Credit Evaluation Index System for Two-Stage Bayesian Discrimination: An Empirical Analysis of Small Chinese Enterprises
Table 7
Index system results of the second stage of parametric Bayesian discrimination.
| No. | (1) Criterion layer | (2) Indicator name |
| 1 | Internal financial factors | Recovery rate of all assets in cash | 2 | Noncurrent liabilities ratio of net cash flow from operating activities | 3 | EBITDA margins | 4 | Velocity of current assets | 5 | Rate of return on investment | 6 | Growth rate of total assets |
| 7 | Internal nonfinancial factors | Working experience in related industry | 8 | Product sales scope | 9 | Proportion of the total amount of loans collected by the enterprise through bank |
| 10 | External environment | Balance of per capita savings of urban and rural residents at the end of year | 11 | Debtor basic information | Marital status | 12 | Basic credit condition | Corporate credit granting in the past three years | 13 | Business reputation | Legal disputes in enterprises | 14 | Collateral guarantee factor | Collateral score |
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