Credit Management Score formula

Dear Experts,

We are on S/4 Hana 1610 and I am new to credit management for S/4 version. My understanding is based on score calculation, risk class and credit limit can be updated automatically in customer master. The standard system has the scoring formula like below. My question is how does system determine for each customer the "answer" of those criteria. Are they maintained in separate tables. (from help I only find tcode to maintain black list and white list.) How about others?

Your direction would be very much appreciated!

Thanks a lot!

Susan