Bank Credit Risk Avoidance and Countermeasures Based on Wireless Communication

Table 1

The model of influencing factors of credit default risk of Bank S.

Credit risk	Probability of credit default
Bank operations	Profit level	ROE
	Leverage level	Reciprocal of core capital adequacy ratio
	Liquidity level	Loan-to-deposit ratio
	Asset quality	Bad agency rate
Macro environment	Shanghai Composite Index