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.

Keywords

G28, L23, credit scoring, Kreditwürdigkeit, ddc:330, small business, G21, G34, banks, KMU, USA

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