Arbeitspapier
Establishment of the credit risk database: Concrete use to evaluate the creditworthiness of SMEs
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.
- Language
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Englisch
- Bibliographic citation
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Series: ADBI Working Paper Series ; No. 924
- Classification
-
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
- Subject
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credit risk database
CRD creditworthiness
SMEs in Japan
- Event
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Geistige Schöpfung
- (who)
-
Kuwahara, Satoshi
Yoshino, Naoyuki
Sagara, Megumi
Taghizadeh-Hesary, Farhad
- Event
-
Veröffentlichung
- (who)
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Asian Development Bank Institute (ADBI)
- (where)
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Tokyo
- (when)
-
2019
- Handle
- Last update
-
10.03.2025, 11:41 AM CET
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
- Kuwahara, Satoshi
- Yoshino, Naoyuki
- Sagara, Megumi
- Taghizadeh-Hesary, Farhad
- Asian Development Bank Institute (ADBI)
Time of origin
- 2019
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