Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/101032 
Year of Publication: 
2005
Series/Report no.: 
Working Paper No. 2005-10
Publisher: 
Federal Reserve Bank of Atlanta, Atlanta, GA
Abstract: 
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.
Subjects: 
banks
credit scoring
small business
JEL: 
G21
G28
G34
L23
Document Type: 
Working Paper

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