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Small business credit scoring and credit availability

  • Allen N. Berger
  • W. Scott Frame

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.

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File URL: http://www.frbatlanta.org/filelegacydocs/wp0510.pdf
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Paper provided by Federal Reserve Bank of Atlanta in its series FRB Atlanta Working Paper No. with number 2005-10.

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Date of creation: 2005
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Handle: RePEc:fip:fedawp:2005-10
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  1. Allen N. Berger, 2002. "The economic effects of technological progress: evidence from the banking industry," Finance and Economics Discussion Series 2002-50, Board of Governors of the Federal Reserve System (U.S.).
  2. Jalal Akhavein & W. Scott Frame & Lawrence J. White, 2001. "The diffusion of financial innovations: an examination of the adoption of small business credit scoring by large banking organizations," Proceedings 724, Federal Reserve Bank of Chicago.
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