[Retracted] Research on Risk Measurement and Early Warning of Electronic Banking Business Based on GMDH Algorithm

Table 2

E-banking risk measurement and early warning indicators.

Indicator type	Indicator name
Macroeconomic environment (A)	Economic growth rate (A1)
	Inflation rate (A2)
	Unemployment rate (A3)
	Consumer price index (A4)
	Business climate index (A5)
Fiscal and monetary status (B)	Fiscal deficit to GDP ratio (B1)
	National debt burden ratio (B2)
	Money supply growth rate (B3)
	Interest rate level (B4)
	Exchange rate level (B5)
Financial environment (C)	Stock market comprehensive market annual β value (C1)
	Stock price-earnings ratio (C2)
	Fixed asset growth rate (C3)
Balance of payments (D)	Current account (D1)
	Short-term foreign debt in total foreign debt (D2)
	Debt ratio (D3)
	External debt outflow as a percentage of GDP (D4)
Vulnerability of financial institutions (E)	Nonperforming loan ratio (E1)
	Capital adequacy ratio (E2)
	Return on assets (E3)
	Liquidity ratio (E4)
	Loan-to-deposit ratio (E5)