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

Table 9

Factor explanation table (control group).

Factor	Name	% of variance	Cumulative %	Indicators contained
F1	Current assets factor	10.918	10.918	Quick ratio, current assets turnover, and current ratio
F2	Core enterprise credit factor	8.598	19.516	Enterprise size, current ratio of core enterprise, and external guarantees
F3	Profit factor	7.587	27.102	Profit growth rate and net profit growth rate
F4	Core enterprise operating factor	7.06	34.163	ROTA of core enterprise
F5	Supply chain credit factor	6.777	40.94	Information sharing degree of supply chain and industry status
F6	Operating factor	5.147	46.087	Leadership qualities and accounts receivable turnover ratio
F7	Core enterprise profit factor	5.015	51.103	ROE of core enterprise and interest coverage ratio of core enterprise
F8	Security factor	4.872	55.974	Asset-liability ratio and past performance
F9	Credit factor	4.483	60.457	Interest coverage ratio and quality of financial information disclosure
F10	Development factor	4.372	64.829	GDP growth rate and total assets growth rate
F11	Product factor	4.364	69.193	ITO and product substitutability