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.
- Language
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Englisch
- Bibliographic citation
-
Series: Working Paper ; No. 2002-6
- Classification
-
Wirtschaft
- Subject
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Credit scoring systems
Small business
- Event
-
Geistige Schöpfung
- (who)
-
Berger, Allen N.
Frame, W. Scott
Miller, Nathan H.
- Event
-
Veröffentlichung
- (who)
-
Federal Reserve Bank of Atlanta
- (where)
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Atlanta, GA
- (when)
-
2002
- Handle
- Last update
-
10.03.2025, 11:45 AM CET
Data provider
This object is provided by:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. If you have any questions about the object, please contact the data provider.
Object type
- Arbeitspapier
Associated
- Berger, Allen N.
- Frame, W. Scott
- Miller, Nathan H.
- Federal Reserve Bank of Atlanta
Time of origin
- 2002
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