Credit Risk Assessment of Small and Medium-Sized Enterprises under the Financial Model of Online Supply Chain

Table 6

Factor explanation table (home appliance industry).

Factor	Name	% of variance	Cumulative %	Indicators contained
B1	Solvency factor	14.413	14.413	Current ratio, quick ratio, and asset-liability ratio
B2	Capital efficiency factor	11.21	25.622	Current assets turnover, ROTA, and ITO
B3	Operating factor	9.974	35.597	Sales growth rate and accounts receivable turnover ratio
B4	Credit factor	8.372	43.969	Leadership qualities, years of cooperation, and past performance
B5	Profit factor	7.215	51.184	Profit growth rate and net profit growth rate
B6	Supply chain development factor	6.499	57.683	Current ratio of core enterprise, information sharing degree of supply chain, and product substitutability
B7	Supply chain environment and credit factor	6.15	63.833	External guarantees, GDP growth rate, and enterprise size
B8	The core enterprise profit factor	5.61	69.443	Interest coverage ratio of core enterprise and ROE of core enterprise
B9	Development factor	4.646	74.089	Interest coverage ratio and total assets growth rate
B10	Revenue quality factor	4.169	78.258	Net profit margin