Credit Risk Assessment of Small and Medium-Sized Enterprises under the Financial Model of Online Supply Chain
Table 8
Factor explanation table (construction industry).
Factor
Name
% of variance
Cumulative%
Indicators contained
D1
Supply chain credit factor
17.439
17.439
Enterprise size, external guarantees, information sharing degree of supply chain, current ratio of core enterprise, and quality of financial information disclosure
D2
Development factor
12.135
29.574
Sales growth rate, total assets growth rate, and ROE
D3
Solvency factor
8.834
38.408
Asset-liability ratio and current ratio
D4
Profit factor
6.641
45.049
Profit growth rate and net profit growth rate
D5
Capital efficiency factor
6.305
51.354
Current assets turnover and ROTA
D6
Revenue quality factor
5.646
57
Interest coverage ratio and net profit margin
D7
Supply chain relationship factor
5.247
62.247
ROE of core enterprise, years of cooperation, and past performance
