Attribute reduction is viewed as a kind of preprocessing steps for reducing large dimensionality in data mining of all complex systems. A great deal of researchers have proposed various approaches to reduce attributes or select key features in multicriteria decision making evaluation. In practice, the existing approaches for attribute reduction focused on improving the classification accuracy or saving the cost of computational time, without considering the influence of the reduction results on the original data set. To help address this gap, we develop an advanced novel attribute reduction approach combining Pearson correlation analysis with F test significance discrimination for the screening and identification of key characteristics related to the original data set. The proposed model has been verified using the financing ability evaluation data of 713 small enterprises of a city commercial bank in China. And the experimental results show that the proposed reduction model is efficient and effective. Moreover, our experimental findings help to locate the qualified partners and alleviate the difficulties faced by enterprises when applying loan.

While promoting the global economy and trade, ports impose serious pollution on the global ocean and atmosphere. Therefore, the development of ports is restrained by the policies and measures of governments and international organizations used to cope with climate change and environmental protection. With the development of information technology, the operation and expansion of ports is facing forms of green and intelligent reform. This research aims to link the development of green intelligent ports, government policies, and third-party organizations to find the most suitable evolutionary path for the development of green intelligent ports. This paper assumes that governments will push ports to transform into green intelligent ports from the perspective of benefiting long-term interests, that the goal of ports is to maximize their profits, and that third-party organizations will actively promote the development of green intelligent ports. Based on these assumptions, this paper has established an evolutionary game theory model of “government–port–third-party organization” regarding the development of green intelligent ports. The Jacobian matrix of the game theory system was constructed by using the replicator dynamic equation, and local stability analysis was performed to obtain the equilibrium stability point of the entire system. This research reveals the limitations of the development of green intelligent ports without government involvement and explores the ability of third-party organizations to promote the implementation of policies, confirming the role of government regulation and control in promoting the development of green intelligent ports. This paper may be helpful for the development of green intelligent ports in the future. The results show that: (1) The main factors affecting the choice of port strategy are the benefits of building a green intelligent port, the intensity of government regulation, and the quantitative influence of third-party evaluation results on the port strategy selection. (2) Government decision-making plays an important role in port transformation. If the relevant government chooses the wrong strategy, then the transformation of the port will be delayed. (3) Government regulation and control need to change with the change of the evolution stage. (4) Compared with the macro-control policies of the government, the influence of the third-party organization on the port is significantly smaller.

Purpose: The purpose of this paper is to propose a debt rating index system for small industrial enterprises that significantly distinguishes the default state. This debt rating system is constructed using the F-test and correlation analysis method, with the small industrial enterprise loans of a Chinese commercial bank as the data sample. This study establishes the weighting principle for the debt scoring model: “the more significant the default state, the larger is the weight.” The debt rating system for small industrial enterprises is constructed based on the standard “the higher the debt rating, the lower is the loss given default.” Design/methodology/approach: In this study, the authors selected indexes that pass the homogeneity of variance test based on the principle that a greater deviation of the default sample’s mean from the whole sample’s mean leads to greater significance in distinguishing the default samples from the non-default samples. The authors removed correlated indexes based on the results of the correlation analysis and constructed a debt rating index system for small industrial enterprises that included 23 indexes. Findings: Among the 23 indexes, the weights of 12 quantitative indexes add up to 0.547, while the weights of the remaining 11 qualitative indexes add up to 0.453. That is, in the debt rating of the small industry enterprises, the financial indexes are not capable of reflecting all the debt situations, and the qualitative indexes play a more important role in debt rating. The weights of indexes “X17 Outstanding loans to all assets ratio” and “X59 Date of the enterprise establishment” are 0.146 and 0.133, respectively; both these are greater than 0.1, and the indexes are ranked first and second, respectively. The weights of indexes “X6 EBIT-to- current liabilities ratio,” “X13 Ratio of capital to fixed” and “X78 Legal dispute number” are between 0.07 and 0.09, these indexes are ranked third to fifth. The weights of indexes “X3 Quick ratio” and “X50 Per capital year-end savings balance of Urban and rural residents” are both 0.013, and these are the lowest ranked indexes. Originality/value: The data of index i are divided into two categories: default and non-default. A greater deviation in the mean of the default sample from that of the whole sample leads to greater deviation from the non-default sample’s mean as well; thus, the index can easily distinguish the default and the non-default samples. Following this line of thought, the authors select indexes that pass the F-test for the debt rating system that identifies whether or not the sample is default. This avoids the disadvantages of the existing research in which the standard for selecting the index has nothing to do with the default state; further, this presents a new way of debt rating. When the correlation coefficient of two indexes is greater than 0.8, the index with the smaller F-value is removed because of its weaker prediction capacity. This avoids the mistake of eliminating an index that has strong ability to distinguish default and non-default samples. The greater the deviation of the default sample’s mean from the whole sample’s mean, the greater is the capability of the index to distinguish the default state. According to this rule, the authors assign a larger weight to the index that exhibits the ability to identify the default state. This is different from the existing index system, which does not take into account the ability to identify the default state.

This paper introduces a novel decision assessment method which is suitable for customers’ credit risk evaluation and credit decision. First of all, the paper creates an optimal credit rating model, and it consisted of an objective function and two constraint conditions. The first constraint condition of the strictly increasing LGDs eliminates the unreasonable phenomenon that the higher the credit rating is, the higher the LGD (loss given default) is. Secondly, on the basis of the credit rating results, a credit decision-making assessment model based on measuring the acceptable maximum LGD of commercial banks is established. Thirdly, empirical results using the data on 2817 farmers’ microfinance of a Chinese commercial bank suggest that the proposed approach can accurately find out the good customers from all the loan applications. Moreover, our approach contributes to providing a reference for decision assessment of customers in other commercial banks in the world.