In China, SMEs are facing financing difficulties, and commercial banks and financial institutions are the main … financing channels for SMEs. Thus, a reasonable and efficient credit risk assessment system is important for credit markets … Machine (LightGBM), is constructed to improve the predictive accuracy of SMEs' credit risk. To verify the feasibility and …

Owing to information asymmetry, evaluating the credit risk of small- and medium-sized enterprises (SMEs) is difficult …. While previous studies evaluating the credit risk of SMEs have mostly focused on intrinsic risk generated by SMEs, our study … framework for quantifying relational risk based on publicly available risk events for SMEs' credit risk evaluation. Our proposed …

Promoting credit services to small and medium-size enterprises (SMEs) has been a perennial challenge for policy makers …. Furthermore, the fintech approach benefits SMEs that are smaller and in smaller cities, hence complementing the role of banks by …

financial data about small and medium-sized enterprises (SMEs), the CRD contributes to the overall understanding of the SME … also includes alternative data, bank account transaction data, when assessing SME credit. A machine learning model is … short-term monitoring instrument and a credit assessment tool for SMEs without financial statements. …