This paper studies socially responsible lending (SRL) by examining a unique sample of Chinese commercial banks. We define SRL as loans that are issued to promote social welfare, preserve the environment, develop agriculture, or support small business. We find that state-controlled banks issue...

This study aims to extend the standard credit scoring model and identify the credit risk of group-loan-taking farmers. For do this, we apply spatial random effects to the logistic model, and construct three different credit scoring models for group-loan-taking farmers: the logistic-INLA model...