Berger, Allen N.; Frame, W. Scott; Miller, Nathan H. - 2002
for credit, and greater or lesser credit risk for different pools of small
business loan applicants. Importantly, the … borrowers” because they generally have higher credit risk, greater informational opacity,
and/or are more costly to serve than … accuracy suffers significantly as a result of the
adoption of SBCS. The overall effects on credit risk will be the net effect …