Establishment of the credit risk database: Concrete use to evaluate the creditworthiness of SMEs

Arbeitspapier

The credit risk database (CRD) makes it possible to mitigate the problem of information asymmetry between SMEs and financial institutions and contributes to improving SMEs' access to finance by collecting a large number of financial statements through the mechanism of SME finances and establishing a robust statistical model. In this paper, we use the CRD in Japan, confirm the situation in Japan, and highlight the CRD's contribution to evaluating the creditworthiness of SMEs. We also explain how to establish the CRD as a financial infrastructure, while indicating that the CRD and the scoring model based on it have maintained their quality owing to their operating system. We hope our experience contributes to the introduction of a statistical credit risk database composed of a large number of anonymous financial statement data in other countries and that the CRD helps to improve SMEs' access to finance as a financial infrastructure.

Angaben zum Objekt

• Sprache: Englisch

Verweise und Beziehungen

• Erschienen in: Series: ADBI Working Paper Series ; No. 924

Klassifikation und Themen

• Klassifikation: Wirtschaft ; Banks; Depository Institutions; Micro Finance Institutions; Mortgages ; Financial Institutions and Services: Government Policy and Regulation ; Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
• Thema: credit risk database ; CRD creditworthiness ; SMEs in Japan

Beteiligte, Orts- und Zeitangaben

• Ereignis: Geistige Schöpfung
• (wer): Kuwahara, Satoshi ; Yoshino, Naoyuki ; Sagara, Megumi ; Taghizadeh-Hesary, Farhad
• Ereignis: Veröffentlichung
• (wer): Asian Development Bank Institute (ADBI)
• (wo): Tokyo
• (wann): 2019

Weitere Informationen

• Handle: http://hdl.handle.net/10419/222691
• Letzte Aktualisierung: 10.03.2025, 11:41 MEZ