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...

The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is hampered by the fact that all of the studies are based on a single 1998 survey of the very largest...

Nach mehr als fünf Jahren der Wirtschaftsreformen und der Privatisierungsbemühungen in den osteuropäischen Transformationsländern untersucht der vorliegende Artikel die Ergebnisse im Bereich der klein- und mittelständischen Unternehmen. Anhand makroökonomischer Zahlen wird die Bedeutung...