Dainelli, Francesco; Giunta, Francesco; Cipollini, Fabrizio - In: PSL Quarterly Review 66 (2013) 264, pp. 21-47
The Basel III Accord has reportedly had an impact on SME financing. In this paper, we aim to highlight the determinants of SME credit worthiness. We use credit history in addition to financial ratios and OhybridO indicators that have been built by mixing credit history with financial statement...