Credit Scoring and the Availability, Price, and Risk of Small Business Credit
نویسندگان
چکیده
منابع مشابه
Small Business Credit Scoring and Credit Availability
U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues. JEL classification: G21, G28, G34, L23
متن کاملthe study of practical and theoretical foundation of credit risk and its coverage
پس از بررسی هر کدام از فاکتورهای نوع صنعت, نوع ضمانت نامه, نرخ بهره , نرخ تورم, ریسک اعتباری کشورها, کارمزد, ریکاوری, gdp, پوشش و وثیقه بر ریسک اعتباری صندوق ضمانت صادرات ایران مشخص گردید که همه فاکتورها به استثنای ریسک اعتباری کشورها و کارمزد بقیه فاکتورها رابطه معناداری با ریسک اعتباری دارند در ضمن نرخ بهره , نرخ تورم, ریکاوری, و نوع صنعت و ریسک کشورها اثر عکس روی ریسک اعتباری داردو پوشش, وثی...
15 صفحه اولCredit scoring system for small business loans
A requirement of a credit scoring decision support system for small business loans is that the embedded scoring model can be easily altered in accord with the change of business environment. To satisfy such a requirement, this study proposes an N-tier architecture integrated with the idea of Model-View-Controller. With this design, the system engineers can avoid frequently investing considerabl...
متن کاملThe Impact of Bank Consolidation on Small Business Credit Availability
The statements, findings, conclusions, and recommendations found in this study are those of the authors and do not necessarily reflect the views of the Office of Advocacy, the United States Small Business Administration, or the United States Government. Executive Summa ry This research examines the implications to the amount of credit available to small businesses from the rapid and pervasive c...
متن کاملPrice Flexibility , Credit Availability , and Economic Fluctuations :
The importance of disturbances in financial markets for real economic activity and the positive association between price level and output movements typically are explained by appeal to a combination of nominal aggregate demand shocks (particularly money-supply shocks) and rigid prices. We argue that this view is inconsistent with evidence for short-run responsiveness of prices and gold flows t...
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ژورنال
عنوان ژورنال: Journal of Money, Credit, and Banking
سال: 2005
ISSN: 1538-4616
DOI: 10.1353/mcb.2005.0019