Arbeitspapier
Credit scoring and the availability, price, and risk of small business credit
The authors examine the economic effects of small business credit scoring (SBCS) and find that it is associated with expanded quantities, higher average prices, and greater risk levels for small business credits under $100,000. These findings are consistent with a net increase in lending to relatively risky "marginal borrowers" who would otherwise not receive credit, but who would pay relatively high prices when they are funded. The authors also find that 1) bank-specific and industrywide learning curves are important; 2) SBCS effects differ for banks that adhere to "rules" versus "discretion" in using the technology; and 3) SBCS effects differ for slightly larger credits.
- Sprache
-
Englisch
- Erschienen in
-
Series: Working Paper ; No. 2002-6
- Klassifikation
-
Wirtschaft
- Thema
-
Credit scoring systems
Small business
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Berger, Allen N.
Frame, W. Scott
Miller, Nathan H.
- Ereignis
-
Veröffentlichung
- (wer)
-
Federal Reserve Bank of Atlanta
- (wo)
-
Atlanta, GA
- (wann)
-
2002
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:45 MEZ
Datenpartner
Dieses Objekt wird bereitgestellt von:
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ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Berger, Allen N.
- Frame, W. Scott
- Miller, Nathan H.
- Federal Reserve Bank of Atlanta
Entstanden
- 2002
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