Research on the Risks of Financial Informatization Construction in Colleges and Universities, Its Prevention and Control and Path Optimization

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The eigenvalue and variance contribution rate of the main component

Principal component	Eigenvalue	Individual variance contribution%	Total variance contribution%
1	2.548	21.233	21.233
2	2.32	19.333	40.566
3	2.222	18.517	59.083
4	2.183	18.192	77.275
5	1.037	8.642	85.917
6	0.593	4.942	90.859
7	0.313	2.608	93.467
8	0.194	1.617	95.084

Factor load matrix

Original sample size	Main cause
	Y1	Y2	Y3	Y4	Y5	Y6	Y7	Y8
X11	0.133	0.888	0.429	0.718	0.267	0.693	0.495	0.651
X12	0.617	0.889	0.328	0.807	0.586	0.151	0.42	0.691
X21	0.59	0.879	0.87	0.262	0.8	0.249	0.202	0.678
X22	0.518	0.824	0.117	0.88	0.846	0.885	0.827	0.546
X23	0.5	0.777	0.853	0.254	0.552	0.489	0.256	0.544
X31	0.347	0.611	0.364	0.626	0.564	0.606	0.408	0.571
X32	0.187	0.771	0.514	0.254	0.232	0.705	0.324	0.258
X33	0.838	0.551	0.752	0.184	0.102	0.291	0.514	0.608
X41	0.815	0.546	0.807	0.744	0.388	0.475	0.162	0.332
X42	0.583	0.225	0.8	0.106	0.183	0.428	0.806	0.72
X43	0.884	0.189	0.625	0.282	0.11	0.847	0.602	0.671
X44	0.496	0.164	0.434	0.204	0.707	0.28	0.715	0.566

Analysis of financial risk factors in colleges and universities

Financial risk indicators for universities(X)	Risk indicators for college financing (debt service) (X1)	College asset ratio(X11)
		Annual borrowing accounts for the total annual income(X12)
	University investment risk index(X2)	Investment yield(X21)
		Financial risks of infrastructure investment(X22)
		The credit rate of the school office(X23)
	Overall operational ability indicator(X3)	self-financing(X31)
		Fund feed rate(X32)
		Cash payment rate(X33)
	Index of growth ability of universities(X4)	Net equity growth rate(X41)
		Fixed asset growth rate(X42)
		The growth rate of intangible assets(X43)
		Income growth(X44)

Financial data correlation coefficient matrix

	X11	X12	X21	X22	X23	X31	X32	X33	X41	X42	X43	X44
X11	1	0.68	0.15	0.78	0.92	0.59	0.25	0.08	0.84	0.16	0.07	0.69
X12		1	0.95	0.89	0.27	0.78	0.51	0.94	0.16	0.81	0.4	0.44
X21			1	0.94	0.34	0.46	0.6	0.76	0.59	0.72	0.2	0.58
X22				1	0.68	0.42	0.11	0.77	0.12	0.53	0.29	0.07
X23					1	0.83	0.28	0.79	0.18	0.88	0.64	0.18
X31						1	0.38	0.35	0.63	0.85	0.51	0.58
X32							1	0.8	0.66	0.57	0.31	0.45
X33								1	0.15	0.7	0.72	0.76
X41									1	0.06	0.66	0.54
X42										1	0.37	0.28
X43											1	0.08
X44												1

The BP model is compared with the PSO-BP and GA-BP model

	Test sample number	Miscalculation number	Accuracy/%
BP prediction model	60	19	68
GA-BP prediction model	60	10	83.3
PSO-BP prediction model	60	5	91.7