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Role of the Credit Risk Database in SME Financing (Japanese)

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  • MAEHARA Yasuhiro

Abstract

Asymmetric information makes it difficult for small and medium enterprises (SMEs) to raise funds. In order to reduce the asymmetry of information, a framework for sharing credit risk information will be useful. Currently, sharing credit risk information on individual SMEs has been made available by credit bureaus and credit-rating firms. However, in the future, such information will not be adequate for achieving more diversified and efficient relationship and transaction-based lending. It is necessary to establish a common benchmark in the form of a credit risk index of average SMEs based on a large-scale credit risk database. Because such a credit risk database would be a public good in the information infrastructure, collaboration between the private and public sectors would be desirable.

Suggested Citation

  • MAEHARA Yasuhiro, 2013. "Role of the Credit Risk Database in SME Financing (Japanese)," Discussion Papers (Japanese) 13067, Research Institute of Economy, Trade and Industry (RIETI).
    • Handle: RePEc:eti:rdpsjp:13067
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