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

Table 7

Factor explanation table (pharmaceutical industry).

Factor	Name	% of variance	Cumulative%	Indicators contained
C1	Solvency factor	14.525	14.525	Current ratio, quick ratio, and asset-liability ratio
C2	Capital efficiency factor	9.796	24.321	ROTA, ITO, and current assets turnover
C3	Core enterprise solvency factor	7.867	32.187	Current ratio of core enterprise, enterprise size, and interest coverage ratio of core enterprise
C4	Profit factor	7.307	39.494	Profit growth rate and net profit growth rate
C5	Revenue quality factor	6.652	46.146	Interest coverage ratio and net profit margin
C6	Core enterprise operating factor	6.388	52.534	ROTA of core enterprise and ROE of core enterprise
C7	The synthesis factor	5.373	57.907	ROE and external guarantees
C8	Development factor	4.936	62.843	Product substitutability, industry status, and GDP growth rate
C9	Supply chain credit factor	4.516	67.359	Leadership qualities and years of cooperation
C10	Credit factor	4.322	71.682	Quality of financial information disclosure
C11	Capital factor	4.193	75.875	Total assets growth rate