MARC Record from Scriblio

LEADER: 02118cam 22003377a 4500
001 2005617055
003 DLC
005 20050314101051.0
007 cr |||||||||||
008 050314s2002 gau sb f000 0 eng
010 $a 2005617055
040 $aDLC$cDLC
050 00 $aHB1
100 1 $aBerger, Allen N.
245 10 $aCredit scoring and the availability, price, and risk of small business credit$h[electronic resource] /$cAllen N. Berger, W. Scott Frame, and Nathan H. Miller.
260 $a[Atlanta, Ga.] :$bFederal Reserve Bank of Atlanta,$c[2002]
490 1 $aWorking paper series / Federal Reserve Bank of Atlanta ;$v2002-6
538 $aSystem requirements: Adobe Acrobat Reader.
538 $aMode of access: World Wide Web.
500 $aTitle from PDF file as viewed on 3/14/2005.
530 $aAlso available in print.
504 $aIncludes bibliographical references.
520 3 $a"The authors examine the economic effects of small business credit scoring (SBCS) and find that it is associated with expanded quantities, higher average prices, and greater risk levels for small business credits under $100,000. These findings are consistent with a net increase in lending to relatively risky "marginal borrowers" who would otherwise not receive credit, but who would pay relatively high prices when they are funded. The authors also find that (1) bank-specific and industrywide learning curves are important; (2) SBCS effects differ for banks that adhere to "rules" versus "discretion" in using the technology; and (3) SBCS effects differ for slightly larger credits. JEL classification: G21, G28, G34, L23"--Federal Reserve Bank of Atlanta web site.
650 0 $aCredit scoring systems.
650 0 $aSmall business.
653 $aBanks;$acredit scoring;$asmall business;$arisk
700 1 $aFrame, W. Scott.
700 1 $aMiller, Nathan H.
710 2 $aFederal Reserve Bank of Atlanta.
830 0 $aWorking paper series (Federal Reserve Bank of Atlanta : Online) ;$v2002-6.
856 40 $uhttp://www.frbatlanta.org/invoke.cfm?objectid=C4D17EAA-53D0-11D6-A3930008C7720D25&method=display