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U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper …
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Purpose: The purpose of this paper is to explore new banks ' market niche position choices at the time of founding …. Design/methodology/approach: The authors used data on the establishment of new banking organizations in California, over 1979 …-1988, to test the hypotheses. During that time, banking within California experienced dramatic deregulation, which provided …
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