The effect of credit scoring on small-business lending

被引：130

作者：

Frame, WS ^{[1
]}

Srinivasan, A

Woosley, L

机构：

[1] Fed Reserve Bank, Dept Res, Atlanta, GA USA

[2] Fed Reserve Bank, Credit & Risk Management Dept, Atlanta, GA USA

来源：

JOURNAL OF MONEY CREDIT AND BANKING | 2001年 / 33卷 / 03期

关键词：

D O I：

10.2307/2673896

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

This paper examines the effect of credit scoring on small-business lending for a sample of large U.S. banking organizations. We find that credit scoring is associated with an 8.4 percent increase in the portfolio share of small-business loans, or $4 billion per institution. However, we fail to uncover any specific attributes of bank small-business credit-scoring pro.-rams that lead to this increased lending. Overall, we conclude that credit scoring lowers information costs between borrowers and lenders, thereby reducing the value of traditional, local bank lending relationships.

引用

页码：813 / 825

页数：13

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