What's the point of credit scoring?
Business reviewPublished 1 January 1997
Loretta J. Mester
Citations312
Generate an AI Snapshot to get a quick, structured summary of this paper.
Study Snapshot
ObjectiveStudy objective
MethodsResearch methodology
PopulationPopulation studied
Sample sizeSample sizes
OutcomesStudy outcomes here
ResultsStudy results comes here
LimitationsResearch study limitations comes here
A concise AI-generated summary of the paper will appear here once you click Generate AI Snapshot.
Abstract
Credit scoring is already widely used for consumer lending and is becoming more commonly used in mortgage lending. Now, small business lending is getting into the scoring act. What does this mean for the commercial loan industry? And will it benefit small businesses? In this article, Loretta Mester explains the basics of credit scoring, discusses some of the models used, and looks at some of the implications of the wider use of credit scoring.
Keywords
Economics, Econometrics and FinanceBusiness, Management and Accounting
Journal of Banking & FinanceCorporate distress diagnosis: Comparisons using linear discriminant analysis and neural networks (the Italian experience)
1,063 Citations1994Edward I. Altman, Giancarlo Marco +1 more
This study analyzes the comparison between traditional statistical methodologies for distress classification and prediction, i.e., linear discriminant (LDA) or logit analyses, with an artificial intelligence algorithm known as neural networks (NN), and suggests a combined approach for predictive reinforcement.
Journal of Banking & FinanceCredit risk measurement: Developments over the last 20 years
815 Citations1997Edward I. Altman, Anthony Saunders
Federal Reserve BulletinCredit Risk, Credit Scoring, and the Performance of Home Mortgages
178 Citations1996Robert B. Avery, Raphael W. Bostic +2 more
Business reviewSmall borrowers and the survival of the small bank: is mouse bank Mighty or Mickey?
66 Citations1994Leonard I. Nakamura
International Journal of Quality & Reliability ManagementThe development of credit scoring quality measures for consumercredit applications
24 Citations1995Kevin J. Leonard