Availability of Credit to Small Businesses
Section 2227 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 requires that, every five years, the Board of Governors of the Federal Reserve System submit a report to the Congress detailing the extent of small business lending by all creditors. The most…
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- 2026-10-10
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Credit Scoring and the Availability, Price, and Risk of Small Business Credit muse.jhu.edu
Finds that small business credit scoring is associated with expanded quantities, higher averages prices, and greater average risk levels for small business credits under $100,000, after controlling for bank size and other differences across banks.
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A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers sciencedirect.com
Surveys the techniques used — both statistical and operational research based — to help organisations decide whether or not to grant credit to consumers. It also discusses the need to incorporate economic conditions into the scoring systems and the way the systems could change…
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Market Forces AU: Sustainable Banks marketforces.org.au
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Consumer Finance: Challenges for Operational Research jstor.org
Reviews the development of credit scoring (the way of assessing risk in consumer finance) and what is meant by a credit score. Outlines 10 challenges for Operational Research to support modelling in consumer finance.
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Federal Reserve Bank of St. Louis: Web Services research.stlouisfed.org
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Credit scoring methods: Latest trends and points to consider sciencedirect.com
"(...) This article aims at providing a systemic review of the most recent (2016–2021) articles, identifying trends in credit scoring using a fixed set of questions. The survey methodology and questionnaire align with previous similar research that analyses articles on credit…
Credit Modeling › Institutional Credit Risk: “Section 2227 of the Economic Growth and Regulatory Paperwork Reduction Act of 1996 requires that, every five years, the Board of Governors of the Federal Reserve System submit a report to the Congress detailing the extent of small business lending by all creditors. The most…”