Credit Risk Assessment for Small and Microsized Enterprises Using Kernel Feature Selection-Based Multiple Criteria Linear Optimization Classifier: Evidence from China
Table 3
Actual controller’s information.
Variable
Category
Variable name
Variable definition
Actual controller’s basic information
Family status
Married 1, unmarried 2, divorce 3
Educational background
High school 1, secondary school 2, college 3, university 4
Gender
Male 1, female 2
Age
The age of the actual controller
Actual controller’s behaviour information
Managerial experience
Number of year that the actual controller engaged in management
Number of self-owned enterprises
Number of enterprises owned by the actual controller
Accumulated overdue repayment
Accumulated overdue repayment times of the actual controller in the bank in the past two years
Financial situation of actual controller
Amount of deposit owned by the actual controller
Actual controller’s supervision information
Whether there are bad tax records and illegal behaviours
