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| Level 1 indicator | Level 2 indicator | Level 3 indicator | Indicator explanation |
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| Financing enterprise qualifications | Solvency | Current ratio X1 | Current assets/current liabilities |
| Quick ratio X2 | Quick assets/current liabilities |
| Asset-liability ratio X3 | Total liabilities/total assets |
| Interest coverage ratio X4 | EBIT/interest expense |
| Capital efficiency | Rate of return on common stockholders’ Equity(ROE) X5 | Net profit/net assets |
| Return on total Assets(ROTA) X6 | Net sales revenue/average total assets |
| Accounts receivable turnover ratio X7 | Net income/average accounts receivable balance on credit |
| Current assets turnover X8 | Total net/average current assets from main operating income |
| Inventory turnover (ITO) X9 | Operating costs/average inventory balance |
| Profitability | Profit growth rate X10 | Profit growth/total operating profit |
| Net profit growth rate X11 | Net profit growth/previous year’s net profit |
| Net profit margin X12 | Net profit/sales revenue |
| Development capacity | Total assets growth rate X13 | Growth of total assets at the end of the year/total assets at the beginning of the year |
| Sales growth rate X14 | Sales revenue growth for the current year/total sales revenue for the previous year |
| Credit status | Leadership qualities X15 | Educational status of the main enterprise managers |
| Quality of financial information disclosure X16 | Audit of financial statements and disclosure of information |
| Past performance X17 | Performance of past contracts, loans, etc |
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| Core enterprise qualifications | Solvency | Current ratio X18 | Current assets/current liabilities |
| Interest coverage ratio X19 | EBIT/interest expense |
| Capital efficiency | ROE X20 | Net profit/net assets |
| ROTA X21 | Net sales revenue/average total assets |
| Enterprise quality | Industry status X22 | Order and influence of companies in the respective industries |
| Enterprise size X23 | Log (main business income) |
| External guarantees X24 | Size and degree of dispersion of the guaranteed amount |
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| Supply chain operation | Informatization level | Information sharing degree of supply chain X25 | Degree of information open sharing and system compatibility in the overall supply chain |
| Cooperation degree | Product substitutability X26 | Alternative to comparable goods bought or sold by a financing enterprise |
| Years of cooperation X27 | Number of years that the financing enterprise has cooperated with the core enterprise |
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| Macro environment | Macroeconomic environment | GDP growth rate X28 | GDP growth rate in the region the financing enterprise is located |
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