The Effect of Credit Scoring on Small-Business Lending

By W. Frame, A. Srinivasan, Lynn W. Woosley. 2001

399 citations recorded by the source corpus.

Subfields: Accounting, Economics and Econometrics, Finance

View Paper: https://www.semanticscholar.org/paper/e4d6db7e1d0d5039f5fa5753a45ebe9f199cf94f

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Citations in the corpus

Competition and Relationship Lending: Friends or Foes? (2011, neutral): “In this vein, Frame et al. (2001) and Akhavein et al. (2005) reported that large, centralized banking organizations are more likely to use automated credit scoring technologies in small business lending, while Berger et al. (2005) found that small banks are better at using soft information as they…”
Alternative Information Sources and Information Asymmetry Reduction: Evidence from Small Business Debt (2015, methodology): “…studies have examined the impact of banking relationships (e.g., Berger and Udell, 1995; Petersen and Rajan, 1994; Petersen, 2004) or credit scores (e.g., Frame et al., 2001; Berger et al., 2005; Berger and Frame, 2007) on small business lending, but have ignored the role of accounting information.”
The Past, Present, and Probable Future for Community Banks (2004, neutral): “…0.0919* 0.1224* 0.1507* 0.1815# 0.2274# 147 Large community banks 0.0936* 0.1176* 0.1419* 0.1637* 0.1934* 91 Medium community banks 0.0762* 0.0966* 0.1204* 0.1504* 0.1859* 689 Small community banks 0.0510* 0.0776* 0.1001* 0.1328* 0.1820* 825 Rural banks 0.0603* 0.0825* 0.1044* 0.1313* 0.1605* 2979”
Does Market Size Structure Affect Competition? The Case of Small Business Lending (2007, neutral): “…lending to relatively opaque small businesses – credits under $100,000 that are rated as relatively risky, have high interest rates, and are often located outside of the banks’ local markets (Frame, Srinivasan, and Woosley 2001, Frame, Padhi, and Woosley 2004, Berger, Frame, and Miller 2005).8,9”
Commercial Lending and Distance: Evidence from Community Reinvestment Act Data (2004, background): “Studies by Akhavein, Frame, and White (2005), Berger, Frame, and Miller (forthcoming), Frame, Padhi, and Woosley (2004), and Frame, Srinivasan, and Woosley (2001) collectively provide strong evidence that credit scoring has been adopted primarily by larger banking organizations.”
The Diffusion of Financial Innovations: An Examination of The Adoption of Small Business Credit Scoring by Large Banking Organizations (2005, neutral): “13 This result is consistent with results reported by Frame et al. (2001) for the probability of having adopted small business credit scoring.”
The Basic Analytics of Access to Financial Services (2006, background): “Because the multi-dimensionality 37 For a discussion on the effect of credit scoring on bank efficiency and outreach in the U.S., see Frame, Padhi, and Woosley (2001) and Berger, Frame, and Miller (2005). of lending constraints is captured in one price—the interest rate—there is not a unique…”
Are good or bad borrowers discouraged from applying for loans? Evidence from US small business credit markets (2009, background): “As a result, both banks and their customers benefit from improvements in lending technologies and the quality and variety of banking services (Berger, 2003) to the extent that large banks have increased their share of small business loans (Frame et al, 2001).”
Small Business Credit Scoring and Credit Availability* (2007, neutral): “The first of the studies finds that the use of SBCS is associated with a significantly increased quantity of small business credit under $100K for 1997 (Frame, Srinivasan, and Woosley 2001).”
Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure (2002, neutral): “It was not widely used prior to the introduction of Fair, Isaac's model in 1995, and as of January 1998, 37% of a sample of the largest banks in the United States still had not adopted small-business credit scoring (Frame et al., 2001).”