Small Business Credit Availability
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Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk
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Author : Allen N. Berger
language : en
Publisher: DIANE Publishing
Release Date : 2010-06
Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk written by Allen N. Berger and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-06 with Business & Economics categories.
There is a positive relationship between the use of credit scoring for small business (SB) loans and SB credit availability. This report employs data from a new survey on the use of credit scoring in SB lending, primarily by community banks. The survey evidence suggests that the use of credit scores in SB lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the SB owners rather than the more encompassing SB credit scores that include data on the firms as well as on the owners. This empirical analysis suggests that credit scoring is associated with increased SB lending after a learning period, with no material change in the quality of the loan portfolio. Charts ad tables.
Small Business Lending
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Author : Barbara Schwartz
language : en
Publisher: Nova Science Publishers
Release Date : 2013
Small Business Lending written by Barbara Schwartz and has been published by Nova Science Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Commercial credit categories.
This book details the extent of small business lending by all creditors and identifies factors that give policy-makers insight into the small business credit market, including the demand for credit by small businesses; the availability of credit; the range of credit options available; the types of credit products used; the credit needs of small businesses; and the risks of lending to small businesses.
Report On Small Business Credit Availability
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Author : Rosa Maria Moller
language : en
Publisher:
Release Date : 1996
Report On Small Business Credit Availability written by Rosa Maria Moller and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Law categories.
Small Business Credit Availability In Light Of Recent Small Business Reforms
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Author : United States. Congress. House. Committee on Small Business. Subcommittee on Procurement, Taxation, and Tourism
language : en
Publisher:
Release Date : 1995
Small Business Credit Availability In Light Of Recent Small Business Reforms written by United States. Congress. House. Committee on Small Business. Subcommittee on Procurement, Taxation, and Tourism and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Business & Economics categories.
Distributed to some depository libraries in microfiche.
Small Business Credit Availability
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Author : Joe Peek
language : en
Publisher:
Release Date : 1995
Small Business Credit Availability written by Joe Peek and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Bank loans categories.
Credit Availability And Capital Standards To Small Business
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Author : United States. Congress. House. Committee on Small Business
language : en
Publisher:
Release Date : 1992
Credit Availability And Capital Standards To Small Business written by United States. Congress. House. Committee on Small Business and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Business & Economics categories.
The Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk
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Author : Allen N. Berger
language : en
Publisher:
Release Date : 2014
The Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk written by Allen N. Berger and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest U.S. banking organizations. This paper addresses a number of deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending, primarily by community banks. The survey evidence suggests that the use of credit scores in small business lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the small business owners rather than the more encompassing small business credit scores that include data on the firms as well as on the owners. Our empirical analysis suggests that credit scoring is associated with increased small business lending after a learning period, with no material change in the quality of the loan portfolio. However, these quantity and quality results appear to vary depending on the way in which credit scores are implemented in the underwriting process.
Credit Availability For Small Businesses Real Estate Housing And Consumers
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Growth and Credit Formation
language : en
Publisher:
Release Date : 1994
Credit Availability For Small Businesses Real Estate Housing And Consumers written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Economic Growth and Credit Formation and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Business & Economics categories.
Hearing To Examine The Issue Of Credit Availability For Small Business
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Author : United States. Congress. Senate. Committee on Small Business
language : en
Publisher:
Release Date : 1993
Hearing To Examine The Issue Of Credit Availability For Small Business written by United States. Congress. Senate. Committee on Small Business and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Business & Economics categories.
The Administration S Program To Enhance Credit Availability
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Author : United States. Congress. House. Committee on Small Business
language : en
Publisher:
Release Date : 1993
The Administration S Program To Enhance Credit Availability written by United States. Congress. House. Committee on Small Business and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Business & Economics categories.