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The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk
banks credit scoring small business
2011/8/22
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is ha...
The article discusses several actions consumers can take that could harm their credit scores. Carrying a large credit-card balance for an extended period of time can reduce a score, as can opening sev...
The Response of Corporate Financing and Investment to Changes in the Supply of Credit
credit corporate financing investment fluctuations
2011/8/22
We examine how shocks to the supply of credit impact corporate financing and investment using the collapse of Drexel Burnham Lambert, Inc.; the passage of the Financial Institutions Reform, Recovery, ...
Assessing Credit Quality from the Equity Market: Can a Structural Approach Forecast Credit Ratings?
Credit rating default probability distance-to-default structural credit risk model Cote de crédit
2011/8/22
We investigate the empirical performance of default probability prediction based on Merton's (1974) structural credit risk model. More specifically, we study if distance-to-default is a sufficient sta...
A simulation study of Basel II expected loss distributions for a portfolio of credit cards
Basel II consumer credit expected loss simulation
2011/8/22
Credit scoring models have been used traditionally as the basis of decisions to reject or accept credit applications. They are also used to categorize applicants or existing accounts into risk groups....
Earned Income Tax Credit Recipients: Income, Marginal Tax Rates, Wealth, and Credit Constraints
Earned Income Tax Credit population Survey of Consumer Finances wealth distribution
2011/8/22
The article summarizes the details of the Earned Income Tax Credit (EITC) and describes the population of EITC recipients in the U.S. It explores the usability of the data from the Survey of Consumer ...
Why Free Markets Can Sometimes Turn into "Peacock Markets": The Evolution of Credit Cards
credit cards lock-in peacock regulation
2011/8/22
The credit card market has evolved into what is defined here as a "peacock market." Analogous to extravagant and inefficient male peacock displays, a "peacock market" has developed to become dominated...
This article discusses the importance for business people to keep their credit record clean and offers suggestions for ensuring a good credit score. Dan Meder of Experian, a national credit bureau, re...
Credit and Classification: The Impact of Industry Boundaries in Nineteenth-century America
multi-category membership industrial classification credit evaluations classification systems
2011/8/22
In this article, we examine how issues of multi-category membership (hybridity) were handled during the evolution of one of the first general systems of industrial classification in the United States,...
he Credit Crunch – Are credit unions able to ride out the storm?
credit crunch credit unions Republic of Ireland and deposit protection schemes United Kingdom United States of America
2011/8/22
Credit unions are financial co-operatives that conduct their business for their members. The principal purpose of a credit union is to receive deposits from and make loans to members. They do not serv...
So You Want to Be Debt Free
debt-free lifestyle Financial advisors cash value personal financing device
2011/8/22
Increasing numbers of Americans are attracted to the idea of a debt-free lifestyle; however, this is not as simple as it sounds. Financial advisors who understand and who can talk about using cash val...
STRUCTURAL CHANGE IN THE RESEARCH AND EXPERIMENTATION TAX CREDIT: SUCCESS OR FAILURE?
research and development research and experimentation tax credit tax credits tax incentives
2011/8/22
This study examines the availability and incentive effects of the Research and Experimentation tax credit following structural changes in the computation of the credit enacted in the Omnibus Budget Re...
Do Credit Card Users Systematically Underestimate Their Interest Rates? Evidence from the Survey of Consumer Finances
bias credit cards interest rate optimism penalty rate
2011/8/22
This study examines credit card penalty pricing using data from the Survey of Consumer Finances. In particular, the author uses a flag in the data set for the first time to analyze bias in reported cr...
Credit Contagion from Counterparty Risk
Standard credit risk models observed clustering of default credit contagion direct counterparty effects
2011/8/22
Standard credit risk models cannot explain the observed clustering of default, sometimes described as “credit contagion.” This paper provides the first empirical analysis of credit contagion via direc...
Free Lunch: Arbitrage Profits Associated with Credit Cards
presents information credit card availability of arbitrage profits introductory balance transfer offers
2011/8/22
This article presents information about recent changes in credit card contracts and discusses the availability of arbitrage profits on introductory balance transfer offers. The article also reviews li...