Small and Medium-Sized Enterprise (SME) Credit Risk Analysis Using Bank Lending Data: An Analysis of Thai SMEs

Naoyuki Yoshino, Farhad Taghi Zadeh Hesary*, Phadet Charoensivakorn, Baburam Niraula

*この研究の対応する著者

研究成果: Article査読

15 被引用数 (Scopus)

抄録

Small and medium-sized enterprises (SMEs) in Asia are frequently hailed as the backbone of the economies. However, the SMEs usually have severe difficulties with raising money. Considering the bank-dominated characteristic of economies in Asia, banks are the main source of financing, and the lack of a comprehensive credit rating database has been a bottleneck for SMEs. This paper examines how a credit rating scheme for SMEs can be developed, when access to other financial and non-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 could reduce information asymmetry and consequently set interest rates and lending ceilings for SMEs. This would ease financing to healthy SMEs and reduce the amount of nonperforming loans to this important sector.

本文言語English
ページ(範囲)383-406
ページ数24
ジャーナルJournal of Comparative Asian Development
15
3
DOI
出版ステータスPublished - 2016 9月 1
外部発表はい

ASJC Scopus subject areas

  • 社会学および政治科学
  • 経済学、計量経済学
  • 政治学と国際関係論

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