Credit Assessment And Rationing In A Federal Lending Framework
Empirical evidence on the Farm Service Agency's credit evaluation and minority lending practices are presented using actual borrower data during aftermath of 1997 class action suit by Black farmers. Results indicate non-applicability of conventional credit assessment methods of private lenders, thus reinforcing FSA's role as lender of last resort.
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- Gustafson, Cole R. & Beyer, Ronald J. & Saxowsky, David M., 1991. "Credit Evaluation: Investigating the Decision Process of Agricultural Loan Officers," Proceedings: 1991 Regional Committee NC-161, September 23-24, 1991, St. Louis, Missouri 130940, Regional Research Committee NC-1014: Agricultural and Rural Finance Markets in Transition.
- Bester, Helmut, 1985. "Screening vs. Rationing in Credit Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 75(4), pages 850-855, September.
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