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Small business credit scoring and credit availability

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  • Allen N. Berger
  • W. Scott Frame

Abstract

U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

Suggested Citation

  • Allen N. Berger & W. Scott Frame, 2005. "Small business credit scoring and credit availability," FRB Atlanta Working Paper 2005-10, Federal Reserve Bank of Atlanta.
  • Handle: RePEc:fip:fedawp:2005-10
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    File URL: https://www.frbatlanta.org/-/media/documents/research/publications/wp/2005/wp0510.pdf
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    References listed on IDEAS

    as
    1. Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2005. "The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations," The Journal of Business, University of Chicago Press, vol. 78(2), pages 577-596, March.
    2. Berger, Allen N, 2003. "The Economic Effects of Technological Progress: Evidence from the Banking Industry," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 35(2), pages 141-176, April.
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