In the course of ordinary business, commercial banks frequently encounter entrepreneurs seeking loans for the purpose of financing new or continuing projects. These entrepreneurs are frequently unrealistic, their perception having been biased by wishful thinking. Bankers are left with a difficult screening problem: separating realists from optimists who may be clever and knowledgeable and completely sincere in their optimistic beliefs.
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Paper provided by Centro de Estudios Monetarios Y Financieros- in its series Papers with number
9718.
Length: 34 pages Date of creation: 1997 Date of revision: Handle: RePEc:fth:cemfdt:9718
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Find related papers by JEL classification: G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages M21 - Business Administration and Business Economics; Marketing; Accounting - - Business Economics - - - Business Economics
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