The Surprising Use Of Credit Scoring In Small Business Lending By Community Banks And The Attendant Effects On Credit Availability And Risk

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Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk

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Author : Allen N. Berger
Publisher : DIANE Publishing
ISBN 13 : 1437928781
Total Pages : 25 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk by : Allen N. Berger

Download or read book Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk written by Allen N. Berger and published by DIANE Publishing. This book was released on 2010-06 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a positive relationship between the use of credit scoring for small business (SB) loans and SB credit availability. This report employs data from a new survey on the use of credit scoring in SB lending, primarily by community banks. The survey evidence suggests that the use of credit scores in SB lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the SB owners rather than the more encompassing SB credit scores that include data on the firms as well as on the owners. This empirical analysis suggests that credit scoring is associated with increased SB lending after a learning period, with no material change in the quality of the loan portfolio. Charts ad tables.

The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk

Download The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk PDF Online Free

Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 25 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk by : Allen N. Berger

Download or read book The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk written by Allen N. Berger and published by . This book was released on 2014 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 studies are based on a single 1998 survey of the very largest U.S. banking organizations. This paper addresses a number of deficiencies in the extant literature by employing data from a new survey on the use of credit scoring in small business lending, primarily by community banks. The survey evidence suggests that the use of credit scores in small business lending by community banks is surprisingly widespread. Moreover, the scores employed tend to be the consumer credit scores of the small business owners rather than the more encompassing small business credit scores that include data on the firms as well as on the owners. Our empirical analysis suggests that credit scoring is associated with increased small business lending after a learning period, with no material change in the quality of the loan portfolio. However, these quantity and quality results appear to vary depending on the way in which credit scores are implemented in the underwriting process.

Credit Scoring and the Availability, Price, and Risk of Small Business Credit

Author : Allen N. Berger
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.3/5 (121 download)

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Book Synopsis Credit Scoring and the Availability, Price, and Risk of Small Business Credit by : Allen N. Berger

Download or read book Credit Scoring and the Availability, Price, and Risk of Small Business Credit written by Allen N. Berger and published by . This book was released on 2002 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-income Areas

Author : W. Scott Frame
Publisher :
ISBN 13 :
Total Pages : 34 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-income Areas by : W. Scott Frame

Download or read book The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-income Areas written by W. Scott Frame and published by . This book was released on 2001 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Credit to the Community

Author : Dan Immergluck
Publisher : Routledge
ISBN 13 : 131549812X
Total Pages : 329 pages
Book Rating : 4.3/5 (154 download)

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Book Synopsis Credit to the Community by : Dan Immergluck

Download or read book Credit to the Community written by Dan Immergluck and published by Routledge. This book was released on 2016-07-08 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.

The Oxford Handbook of Banking

Author : Allen N. Berger
Publisher : Oxford University Press
ISBN 13 : 0192558080
Total Pages : 1328 pages
Book Rating : 4.1/5 (925 download)

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Book Synopsis The Oxford Handbook of Banking by : Allen N. Berger

Download or read book The Oxford Handbook of Banking written by Allen N. Berger and published by Oxford University Press. This book was released on 2019-10-31 with total page 1328 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Oxford Handbook of Banking, Third Edition provides an overview and analysis of developments and research in this rapidly evolving field. Aimed at graduate students of economics, banking, and finance; academics; practitioners; regulators; and policy makers, it strikes a balance between abstract theory, empirical analysis, and practitioner and policy-related material. Split into five distinct parts The Oxford Handbook of Banking is a one-stop source of relevant research in banking. It examines the theory of banking, bank operations and performance, regulatory and policy perspectives, macroeconomic perspectives in banking, and international differences in banking structures and environments. Taking a global perspective it examines banking systems in the United States, China, Japan, Australia and New Zealand, Africa, the European Union, transition countries of Europe, and Latin America. Thematic issues covered include financial innovation and technological change; consumer and mortgage lending; Islamic banking; and how banks influence real economic activity. Fully revised and now including brand new chapters on a range of geographical regions, bank bailouts and bail-ins, and behavioral economics amongst many other topics, this third edition of The Oxford Handbook of Banking provides readers with insights to seminal and contemporary research in banking and an opportunity to learn about the diversity of financial systems around the world.

Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (498 download)

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Book Synopsis Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas by :

Download or read book Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas written by and published by . This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Reserve Bank of Atlanta presents the full text of the April 2001 working paper entitled "The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas," written by W. Scott Frame, Michael Padhi, and Lynn Woosley. The text is available in PDF format. This paper examines banks' use of credit scoring by large banking organizations on small business lending in low and moderate income areas. The authors find that credit scoring increases the probability that an organization will make small business loans in a given census tract.

Analytical Techniques in the Assessment of Credit Risk

Author : Michalis Doumpos
Publisher : Springer
ISBN 13 : 3319994115
Total Pages : 115 pages
Book Rating : 4.3/5 (199 download)

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Book Synopsis Analytical Techniques in the Assessment of Credit Risk by : Michalis Doumpos

Download or read book Analytical Techniques in the Assessment of Credit Risk written by Michalis Doumpos and published by Springer. This book was released on 2018-09-29 with total page 115 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a unique, focused introduction to the analytical skills, methods and techniques in the assessment of credit risk that are necessary to tackle and analyze complex credit problems. It employs models and techniques from operations research and management science to investigate more closely risk models for applications within the banking industry and in financial markets. Furthermore, the book presents the advances and trends in model development and validation for credit scoring/rating, the recent regulatory requirements and the current best practices. Using examples and fully worked case applications, the book is a valuable resource for advanced courses in financial risk management, but also helpful to researchers and professionals working in financial and business analytics, financial modeling, credit risk analysis, and decision science.

The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas

Author : W. Scott Frame
Publisher :
ISBN 13 :
Total Pages : 26 pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas by : W. Scott Frame

Download or read book The Effect of Credit Scoring on Small Business Lending in Low- and Moderate-Income Areas written by W. Scott Frame and published by . This book was released on 2014 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper empirically examines the effect of the use of credit scoring by large banking organizations on small business lending in low- and moderate-income (LMI) areas. Using census tract level data for the southeastern United States, the authors estimate that credit scoring increases small business lending by $16.4 million per LMI area served. Furthermore, this effect is almost 2.5 times larger than that estimated for higher income census tracts ($6.8 million). The authors also find that credit scoring increases the probability that a large banking organization will make small business loans in a given census tract. The change in this probability is 3.8 percent for LMI areas and 1.7 percent for higher income areas. These findings suggest that credit scoring reduces asymmetric information problems for borrowers and lenders and that this is particularly important for LMI areas, which lenders may have historically bypassed because of their questionable economic health.

The Oxford Handbook of Banking, Second Edition

Author : Allen N. Berger
Publisher : OUP Oxford
ISBN 13 : 0191002194
Total Pages : 1105 pages
Book Rating : 4.1/5 (91 download)

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Book Synopsis The Oxford Handbook of Banking, Second Edition by : Allen N. Berger

Download or read book The Oxford Handbook of Banking, Second Edition written by Allen N. Berger and published by OUP Oxford. This book was released on 2014-11-27 with total page 1105 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Oxford Handbook of Banking, Second Edition provides an overview and analysis of developments and research in banking written by leading researchers in the field. This handbook will appeal to graduate students of economics, banking and finance, academics, practitioners, regulators, and policy makers. Consequently, the book strikes a balance between abstract theory, empirical analysis, and practitioner, and policy-related material. The Handbook is split into five parts. Part I, The Theory of Banking, examines the role of banks in the wider financial system, why banks exist, how they function, and their corporate governance and risk management practices. Part II deals with Bank Operations and Performance. A range of issues are covered including bank performance, financial innovation, and technological change. Aspects relating to small business, consumer, and mortgage lending are analysed together with securitization, shadow banking, and payment systems. Part III entitled Regulatory and Policy Perspectives discusses central banking, monetary policy transmission, market discipline, and prudential regulation and supervision. Part IV of the book covers various Macroeconomic Perspectives in Banking. This part includes a discussion of systemic risk and banking and sovereign crises, the role of the state in finance and development as well as how banks influence real economic activity. The final Part V examines International Differences in Banking Structures and Environments. This part of the Handbook examines banking systems in the United States, European Union, Japan, Africa, Transition countries, and the developing nations of Asia and Latin America.

Research Anthology on Small Business Strategies for Success and Survival

Author : Management Association, Information Resources
Publisher : IGI Global
ISBN 13 : 1799891569
Total Pages : 1496 pages
Book Rating : 4.7/5 (998 download)

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Book Synopsis Research Anthology on Small Business Strategies for Success and Survival by : Management Association, Information Resources

Download or read book Research Anthology on Small Business Strategies for Success and Survival written by Management Association, Information Resources and published by IGI Global. This book was released on 2021-06-25 with total page 1496 pages. Available in PDF, EPUB and Kindle. Book excerpt: Running a small business provides opportunity for greater success, increased growth, and potentially the chance to move to the global business arena, yet also much more risk. Small businesses not only have less employment, but also less annual revenue than a regular-sized business. With the growth of large corporations and chain businesses, it has become harder to maintain the survival of a small business. The COVID-19 pandemic has also brought more pressure onto the already unsteady survival of small businesses, due to forced closures, decreased agility, fewer technological innovations, and smaller customer bases. The Research Anthology on Small Business Strategies for Success and Survival offers current strategies for small businesses that can be utilized in order to maintain equal footing during challenging times. With the proper strategies available to small business owners, small businesses could not only survive, but also excel despite the environment that surrounds them. Covering topics including decision management, new supportive technologies, sustainable development, and micro-financing, this text is ideal for small business owners, entrepreneurs, startup companies, family-owned and operated businesses, restaurateurs, local retailers, managers, executives, academicians, researchers, and students.

Determinants of Bank Involvement with SMEs

Author : Victor U. Ekpu
Publisher : Springer
ISBN 13 : 3319258370
Total Pages : 99 pages
Book Rating : 4.3/5 (192 download)

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Book Synopsis Determinants of Bank Involvement with SMEs by : Victor U. Ekpu

Download or read book Determinants of Bank Involvement with SMEs written by Victor U. Ekpu and published by Springer. This book was released on 2015-12-23 with total page 99 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a comprehensive, yet concise text that brings together all aspects of SME banking theories and empirical studies in one text. The book contains the latest policy debates on money creation and credit rationing and the relative role of demand-side and supply-side factors affecting SME financing. Readers will understand the borrower-specific, lender-specific and business environment drivers of bank finance for SMEs as well as the determinants of loan contract terms, particularly the risk premium and collateral. Readers will also understand how loan officers acquire proprietary information on SMEs and apply various lending techniques, such as financial statement lending, relationship lending and credit scoring to the loan underwriting process. In addition, the book also features recent trends on the rise of alternative finance intermediaries such as online peer-to-peer lenders and the competitive implications for traditional banks providing loans to SMEs. Findings from this work will thus be of particular interest to commercial bankers, bank-dependent small business borrowers as well as policy makers, and researchers in central banks, development banks, development agencies and international financial institutions.

Contemporary Topics in Finance

Author : Iris Claus
Publisher : John Wiley & Sons
ISBN 13 : 1119565162
Total Pages : 400 pages
Book Rating : 4.1/5 (195 download)

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Book Synopsis Contemporary Topics in Finance by : Iris Claus

Download or read book Contemporary Topics in Finance written by Iris Claus and published by John Wiley & Sons. This book was released on 2019-04-29 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: The literature surveys presented in this edited volume provide readers with up-to-date reviews on eleven contemporary topics in finance. Topics include unconventional monetary policy, implicit bank guarantees, and financial fraud - all linked to the exceptional event of the Global Financial Crisis Explores how recent studies on inflation risk premia and finance and productivity have benefitted from new empirical methods and the availability of relevant data Demonstrates how angel investing, venture capital, relationship lending and microfinance have benefitted from increased research as they have become more seasoned Investigates crowdfunding and crypto-currencies which have both arisen from recent technological developments

The 4th Annual Conference of Economic Forum of Entrepreneurship & International Business

Author : Ghada Gomaa A. Mohamed
Publisher : Dr. Ghada Mohamed
ISBN 13 :
Total Pages : 143 pages
Book Rating : 4./5 ( download)

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Book Synopsis The 4th Annual Conference of Economic Forum of Entrepreneurship & International Business by : Ghada Gomaa A. Mohamed

Download or read book The 4th Annual Conference of Economic Forum of Entrepreneurship & International Business written by Ghada Gomaa A. Mohamed and published by Dr. Ghada Mohamed. This book was released on 2014-01-01 with total page 143 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 4th Annual Conference of Economic Forum of Entrepreneurship & International Business Organized by Dr. Ghada Gomaa A. Mohamed Conference venue: London University Institute in Paris, Paris, France Conference proceeding: Library & Archive Canada Conference date: January 31st, 2014 Edited by: Dr. Ghada Mohamed Dr. Morrison Handley-Schachler Dr. Daniel May Dr. Thomas Henschel https://epe.lac-bac.gc.ca/100/201/300/annual_conference_economic/v04.pdf

The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions
Publisher :
ISBN 13 :
Total Pages : 68 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions

Download or read book The Effects of the Economic Crisis on Community Banks and Credit Unions in Rural Communities written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and published by . This book was released on 2010 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Entrepreneurship for Economic Growth in Emerging Nations

Author : Woldie, Atsede
Publisher : IGI Global
ISBN 13 : 152252701X
Total Pages : 322 pages
Book Rating : 4.5/5 (225 download)

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Book Synopsis Financial Entrepreneurship for Economic Growth in Emerging Nations by : Woldie, Atsede

Download or read book Financial Entrepreneurship for Economic Growth in Emerging Nations written by Woldie, Atsede and published by IGI Global. This book was released on 2017-07-13 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: Entrepreneurial endeavors are a pivotal driving force behind the modern business sector. These enterprises play a significant role in the development and sustainability of a nation’s economy. Financial Entrepreneurship for Economic Growth in Emerging Nations is an innovative reference source for the latest scholarly research on strategies and techniques for financing small and medium-sized enterprises in the context of developing nations. Including a range of pertinent topics such as microinsurance, risk management, and advertising, this book is ideal for managers, academics, professionals, graduate students, and practitioners interested in the dynamics of financial entrepreneurship.

Community Bank Strategic Lending Choices and Performance

Author : Gary Whalen
Publisher :
ISBN 13 :
Total Pages : 66 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Community Bank Strategic Lending Choices and Performance by : Gary Whalen

Download or read book Community Bank Strategic Lending Choices and Performance written by Gary Whalen and published by . This book was released on 2007 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Most community banks have been unable to increase dramatically the percentage of their revenue coming from non-traditional sources and so remain reliant on the net income generated by traditional intermediation activities. This continued dependence means that the lending strategy chosen by any community bank is a key determinant of its survival. In this study the lending strategies chosen by a sample of 5508 community banks are examined over the 1995 - 2004 period. Links among the chosen strategies, strategic change, and performance are also investigated using both univariate and regression analysis. The analysis of lending strategy trends reveals an increase in the percentage of community banks that emphasize lending to business borrowers and a decrease in the fraction of institutions specializing in loans to non-commercial customers. The data also indicate that the typical community bank changed its lending strategy over the decade, and many did so more than once. Differences in performance are evident across the strategic groups. The results indicate that business real estate lenders earned the highest returns over the decade, but also were the riskiest. When returns are adjusted for risk, a number of lending strategies produced performance exceeding that of business real estate lending, including residential real estate lending, diversified lending, and agricultural lending. The results show that strategic change reduces returns and increases risk, all else equal. The evidence indicates a large performance disadvantage for the smallest community banks regardless of the lending strategy they pursue"--Office of the Comptroller of the Currency web site.