Article1997

What's the point of credit scoring?

311 citations0/0 files storedRePEc: Research Papers in Economics

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Financial Distress and Bankruptcy Prediction Banking stability, regulation, efficiency Credit Risk and Financial Regulations

Abstract

Credit scoring is already widely used for consumer lending and is becoming more commonly used in mortgage lending. Now, small business lending is getting into the scoring act. What does this mean for the commercial loan industry? And will it benefit small businesses? In this article, Loretta Mester explains the basics of credit scoring, discusses some of the models used, and looks at some of the implications of the wider use of credit scoring.

Citations in this library

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References

1994Corporate distress diagnosis: Comparisons using linear discriminant analysis and neural networks (the Italian experience)1997Credit risk measurement: Developments over the last 20 years

Cited by

2001The Effect of Credit Scoring on Small-Business Lending 2003Foreign Bank Entry: Experience, Implications for Developing Economies, and Agenda for Further Research 2007Borrower–lender distance, credit scoring, and loan performance: Evidence from informational-opaque small business borrowers 2015Barriers to ethnic minority and women’s enterprise: Existing evidence, policy tensions and unsettled questions 2008Making Sense of the Subprime Crisis 2007Lending to small businesses: the role of loan maturity in addressing information problems 2010Personal Bankruptcy and Credit Market Competition 2006Household Debt Sustainability: What Explains Household Non-Performing Loans? An Empirical Analysis

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