Research on Credit Evaluation of Financial Enterprises Based on the Genetic Backpropagation Neural Network

Table 1

Enterprise credit rating index system.

First-level indicators	Secondary indicators	Method
External environment and enterprise quality	Development prospects	Qualitative
	Policy and regulation environment	Qualitative
	Business order and credit environment	Qualitative
	Quality of leaders	Qualitative
	Enterprise performance	Qualitative
	Management decision	Qualitative
	Production layout	Qualitative
	Credit record	Qualitative
Economic strength	Asset ratio	Qualitative
	Return on cash flow of total assets	Qualitative
	Interest cover	Ration
Operating efficiency	Sales profit margin	Ration
	Net interest rate of assets	Ration
Solvency	Asset liability ratio	Ration
	Current ratio	Ration
	Quick ratio	Ration
	Contingent negative ratio	Ration
	Ratio of cash flow to current liabilities	Ration
Operating capacity	Product sales rate	Ration
	Turnover of current assets	Ration
	Turnover of the whole assets	Ration
Profitability	Net profit rate of sales	Ration
	Gross profit margin of sales	Ration
	Profit rate of net assets	Ration
	Return on the whole assets	Ration
	Growth rate of net assets	Ration