Albareto, Giorgio; Benvenuti, Michele; Mocetti, Sauro; … - Banca d'Italia - 2008
persists even within relatively homogenous size classes. The diffusion of statistical models to assess credit risk (scoring … determinant in decisions on credit extension while it is rarely influential in setting interest rates, the duration of the credit … organizational structure in order to incorporate the credit scoring tools into their lending processes. …
