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.