کد مقاله | کد نشریه | سال انتشار | مقاله انگلیسی | نسخه تمام متن |
---|---|---|---|---|
5089034 | 1478333 | 2014 | 10 صفحه PDF | دانلود رایگان |
عنوان انگلیسی مقاله ISI
Differentiated use of small business credit scoring by relationship lenders and transactional lenders: Evidence from firm-bank matched data in Japan
ترجمه فارسی عنوان
استفاده متمایز از نمره اعتبار کسب و کار کوچک توسط وام دهندگان رابطه و وام دهنده های معاملات: شواهد از داده های همسان با بانک های شرکت در ژاپن
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موضوعات مرتبط
علوم انسانی و اجتماعی
اقتصاد، اقتصادسنجی و امور مالی
اقتصاد و اقتصادسنجی
چکیده انگلیسی
This paper examines the ex-post performance of small and medium enterprises (SMEs) that obtained small business credit scoring (SBCS) loans, using a unique Japanese firm-bank matched dataset. The ex-post probability of default after the SBCS loan was provided significantly increased for SMEs that obtained an SBCS loan from a transactional lender. Also, the lending attitude of relationship lenders during the recent global financial crisis was more severe if a firm had received an SBCS loan from a transactional lender. These findings suggest that SBCS loans by transactional lenders are more prone to type II errors and detrimental to relationship lenders' incentive to provide “liquidity insurance.”
ناشر
Database: Elsevier - ScienceDirect (ساینس دایرکت)
Journal: Journal of Banking & Finance - Volume 42, May 2014, Pages 371-380
Journal: Journal of Banking & Finance - Volume 42, May 2014, Pages 371-380
نویسندگان
Arito Ono, Ryo Hasumi, Hideaki Hirata,