Application of Data Mining Combined with Fuzzy Multicriteria Decision-Making in Credit Risk Assessment from Legal Service Companies

Table 1

AHP indexes of target companies.

Target layer	Criterion layer	Index layer	Indicial notation
Corporate credit risk	Profitability	Rate of return on fixed assets	Z1
		Return on equity	Z2
		Return on invested capital	Z3
		Long-term return on capital	Z4
		Business tax rate	Z5
		Ratio of profits to cost and expense	Z6
		Charge ratio	Z7
	Cash flow capacity	Debt coverage ratio	Z8
		Cash ratio of operating income	Z9
		Cash reinvestment ratio	Z10
	Operation capability	Ratio of accounts receivable to income	Z11
		Receivables turnover ratio	Z12
		Long-term asset turnover	Z13
		Total asset turnover	Z14
	Development capacity	Rate of capital accumulation	Z15
		Increasing rate of fixed assets	Z16
		Total assets growth rate	Z17
	Short-term liquidity	Current ratio	Z18
		Conservative quick ratio	Z19
		Working capital ratio	Z20
		Cash ratio	Z21