抜粋
A credit risk database (CRD) makes it possible to mitigate the problem of information asymmetry between SMEs and financial institutions and contributes to improving SMEs’ access to finance by collecting a large number of financial statements through the mechanism of SME finances and establishing a robust statistical model. In this chapter, we use the CRD in Japan, confirm the situation in Japan, and highlight the CRD’s contribution to evaluating the creditworthiness of SMEs. We also explain how to establish the CRD as a financial infrastructure, while indicating that the CRD and the scoring model based on it have maintained their quality due to their operating system. We hope our experience contributes to the introduction of a statistical CRD composed of a large number of anonymous financial statement data in other countries and that the CRD helps improve SMEs’ access to finance as a financial infrastructure.
| 元の言語 | English |
|---|---|
| ホスト出版物のタイトル | Unlocking SME Finance in Asia |
| ホスト出版物のサブタイトル | Roles of Credit Rating and Credit Guarantee Schemes |
| 出版者 | Taylor and Francis |
| ページ | 89-111 |
| ページ数 | 23 |
| ISBN（電子版） | 9780429684579 |
| ISBN（印刷物） | 9781138353428 |
| DOI | |
| 出版物ステータス | Published - 2019 1 1 |
ASJC Scopus subject areas
- Economics, Econometrics and Finance(all)
- Business, Management and Accounting(all)