Research on the Trust Mechanism of Individual Consumers in Rural Financial Markets Based on the Dynamic CGE Model
Table 1
Credit risk assessment index system.
Target layer
Criterion layer
Index layer
Credit risks
Environment
Enterprise development prospects, technical factors, social and cultural factors, economic factors, industry nature, political factors, legal factors, and other factors.
Mortgage
Customer mortgage.
Capital and capacity
Speed ratio, cash ratio, asset liability ratio, return on assets, net profit rate of sales, etc.
Character
Public information, litigation for breach of contract, execution and scheduling, illegal transactions, on-time repayment rate of loans, cumulative arrears ratio, average payment days, and arrears ratio.