Construction of Credit Evaluation Index System for Two-Stage Bayesian Discrimination: An Empirical Analysis of Small Chinese Enterprises

Table 6

Index system results of the second stage of nonparametric Bayesian discrimination.

No.	(1) Criterion layer	(2) Indicator name
1	Internal financial factors	Current liabilities net cash flow ratio of operating activities
2		Quick ratio
3		Cash ratio of main business income
4		Recovery rate of all assets in cash
5		Ratio of net assets to the loan balance at the end of year
6		Cash ratio
7		Total outstanding loans as a percentage of total assets
8		Total liabilities net cash flow ratio of operating activities
9		Operating profit ratio
10		Gross profit rate
11		Cost-profit ratio
12		Net cash flow from operating activities
13		Working capital allocation ratio
14		Rate of return on investment
15		Growth rate of operating income
16		Growth rate of total assets
17	Internal nonfinancial factors	Working experience in related industry
18		Date of establishment
19	External environment	Industry sentiment index
20	Debtor basic information	Legal representative loan default record
21		Age
22		Time in that position
23	Business reputation	Legal disputes in enterprises
24	Collateral guarantee factor	Collateral score