In this paper, we compare two different approaches to estimate the credit risk for small-and
mid-sized businesses (SMBs), namely a classic parametric approach, by fitting an ordered …

Credit approval prediction is one of the critical challenges in the financial industry, where the
accuracy and efficiency of credit decision-making can significantly affect business risk. This …

Recent evidence has shown that hybrid models for credit ratings are important when
assessing the risk of firms. Within this stream of literature, we aim to provide novel evidence …

The economic impact of the COVID-19 pandemic placed many small businesses across the
US in financial distress. In response to this, in March 2020 the US government introduced …

I investigate the impact of securitization on the risk-taking by bank holding companies
(BHCs). For 2001 to 2017, I find a negative relationship between securitization and the risk …

By exploiting a unique and proprietary panel dataset comprising 6480 Italian SMEs having a
relationship with 99 cooperative banks over the period 2008–2014, we investigate the …

While loan pricing is a crucial factor determining economic growth, the literature lacks
evidence on the impact of credit market regulations on loan prices. Using a panel of 139 …

In this paper, we examine the influence of owner guarantees on loan rates. Other studies on
the influence of business collateral have used survey and credit register data to establish …