A VNS-EDA Algorithm-Based Feature Selection for Credit Risk Classification

Table 1

Credit risk feature variable.

	Feature variable	Data type
Repayment capacity	Liquidity ratio	Number	Short-term liquidity
	Quick ratio	Number
	…	…
	Cash ratio	Number
	Inventory turnover	Number	Operational capability
	Accounts receivable turnover	Number
	Total asset turnover	Number
	Cash conversion cycle	Number
	…	…
	Fixed assets turnover	Number
	Asset profit ratio	Number	Profit-making capability
	Gross profit ratio	Number
	…	…
	Operating profit ratio	Number
Repayment willing	Age	Number
	Education	Category	Junior high school, high school, bachelor degree, or above
	Housing	Category	Mortgage loan, mortgage without loan, rental, others
	Gender	Category	Male, female
	…	…	…
	Marital	Category	Married, single, divorced
	Domicile	Category	Residents, nonresidents, others