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

Table 7

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

No.	(1) Criterion layer	(2) Indicator name
1	Internal financial factors	Recovery rate of all assets in cash
2		Noncurrent liabilities ratio of net cash flow from operating activities
3		EBITDA margins
4		Velocity of current assets
5		Rate of return on investment
6		Growth rate of total assets
7	Internal nonfinancial factors	Working experience in related industry
8		Product sales scope
9		Proportion of the total amount of loans collected by the enterprise through bank
10	External environment	Balance of per capita savings of urban and rural residents at the end of year
11	Debtor basic information	Marital status
12	Basic credit condition	Corporate credit granting in the past three years
13	Business reputation	Legal disputes in enterprises
14	Collateral guarantee factor	Collateral score