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 … deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending …

We study the relationship between the labor market for loan officers and access to credit in the residential mortgage … credit …

economic theory. For our sample, collateral overall is associated with lower loan risk premiums and a higher probability of ex … strong for residential real estate collateral and that the risk shifting effect is important for pledged deposits and bank …

the empirical dominance of different risk-collateral channels implied by economic theory, namely the “lender selection …

This study examines the use of small business credit scoring (SBCS), a newly introduced technology to quantitatively … evaluate small businesses applications for micro credits of less than $250,000. Credit scoring statistically predicts the … on 99 responses gathered in a telephone survey conducted by the Federal Reserve Bank of Atlanta in January1998. Gathered …