Credit Rating Model of Small Enterprises Based on Optimal Discriminant Ability and Its Empirical Study

Table 2

Small enterprise credit index system and weight.

(1) No.	(2) Criterion layer			(3) Indicator name	(4) Index weight
1	Repayment ability	Internal financial factors	Debt paying ability	Net profit cash content	0.0124
2				Ratio of net cash flow from noncurrent liability operations	0.0176
3			Profitability	Net cash rate of sales	0.0554
4				Gross profit margin	0.0041
5			Operation ability	Speed of turnover of fixed assets	0.0229
6				Working capital allocation ratio	0.0004
7			Growth ability	Profit growth rate	0.0637
8				Growth rate of total assets	0.0150
9		Internal nonfinancial factors		Working experience in related industry	0.0422
10				Product sales scope	0.0766
11		External environment		Consumer price index	0.0266
12				Per capita disposable income of urban residents	0.0745
13				Engel coefficient	0.0691
14	Repayment willingness	Basic information of legal representative		Legal representative credit card record	0.0307
15		Basic credit status		Enterprise credit granting in recent three years	0.1561
16				Type of registered capital in place	0.2039
17		Business reputation		Legal disputes in enterprises	0.0585
18	Collateral guarantee factor			Collateral score	0.0705