various financial variables to 1,363 SMEs in Asia. Adoption of this comprehensive and efficient method would enable banks to …

on macroeconomic conditions and vary it for each bank or each group of banks based on their soundness, in order to avoid …

, banks are the main source of financing, and the lack of a comprehensive credit rating database has been a bottleneck for …-financial ratios is not possible, by using data on lending by banks to SMEs. We employ statistical techniques on five variables from a … sample of Thai SMEs and classify them into subgroups based on their financial health. By employing these techniques, banks …

development of a sustainable credit guarantee scheme, the development of specialized private banks for SME financing, and the …

(banks), many banks are considering this sector as a risky sector. It is crucial for banks to be able to distinguish healthy … financing to SMEs through banks will be easier with lower collateral requirements and lower interest rates. In this paper, we … of 1,363 SMEs in Asia. If used by the financial institutions, this comprehensive and efficient method could enable banks …

economic development, particularly concentrating on the diversification and expansion of the SME sector. Second-tier banks …, banks have become more reluctant to lend funds to SMEs. The government's use of a credit guarantee scheme (CGS) relies on … the willingness of second-tier banks to lend to SMEs, since they decide which SMEs to lend to and the effective interest …