Soft Information and Small Business Lending

NCUIR > School of Management at National Central University > Department of Finance > journal & Dissertation > Item 987654321/104996

Please use this identifier to cite or link to this item: https://ir.lib.ncu.edu.tw/handle/987654321/104996

Title:	Soft Information and Small Business Lending
Authors:	黃瑞卿;Chen, Yehning;Huang, Rachel J.;Tsai, John;Tzeng, Larry Y.
Contributors:	管理學院財務金融學系
Keywords:	Banking industry;Banks;Borrowing;Collateral;Credit scoring;Datasets;Debt financing;Decision making;Default;Economics and Finance;Employment;Finance;Finance companies;Financial information;Financial Services;Financial statements;Forecasts;Information;Interest rates;Lending;Loan officers;Loans;Macroeconomics/Monetary Economics//Financial Economics;Prediction models;Small & medium sized enterprises-SME;Small and medium sized enterprises;Small business;Small business loans;Studies;Subjectivity
Date:	2013-01-01
Issue Date:	2026-04-23 12:03:24 (UTC+8)
Publisher:	Springer Netherlands;Boston: Springer US
Abstract:	摘要： Using data from a Taiwanese finance company, this paper empirically investigates the value of soft information, information that requires the subjective interpretation by the loan officers who collect it and cannot be credibly transmitted to others, for making small business loans. It finds that the use of soft information significantly improves the power of default prediction models. It also identifies the types of soft information that are helpful for predicting loan defaults. In addition, it shows that borrowers with more favorable soft information enjoy lower interest rates. These results imply that soft information is important for small business lending. 其他題名： J Financ Serv Res 出版者： Boston: Springer US 出版日期： 2015-02-01 出處： Journal of financial services research, 2015-02, Vol.47 (1), p.115-133 資源來源： ABI/INFORM Collection 版權： Springer Science+Business Media New York 2013 版權： Springer Science+Business Media New York 2015 識別號： ISSN: 0920-8550 識別號： EISSN: 1573-0735 識別號： DOI: 10.1007/s10693-013-0187-x
Appears in Collections:	[Department of Finance] journal & Dissertation

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