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  • 标题:An Analysis of Factors Affecting Credit Scoring Performance in SMEs
  • 本地全文:下载
  • 作者:Ebru SAYGILI ; Arikan Tarik SAYGILI ; Gokhan ISIK
  • 期刊名称:Ege Academic Review
  • 印刷版ISSN:1303-099X
  • 出版年度:2019
  • 卷号:19
  • 期号:2
  • 页码:159-171
  • DOI:10.21121/eab.526093
  • 出版社:Ege University, Faculty of Economics and Administrative Sciences
  • 摘要:In small and medium enterprises (SMEs), both financial and non-financial indicators related to the company and the large shareholder have significant effects on credit scores. This study explores the hybrid nature of SME credit scoring systems by developing an SME credit scoring model with general indicators, financial indicators and intelligence indicators related to the company and the major shareholder. This study is the first to explore the effect of intelligence indicators in credit scoring. It used regression analysis to evaluate real data from 125 SMEs operating in Turkey. Of 17 independent variables, 9 had statistically significant relationships with SME credit scores. The paper includes a comprehensive discussion of the implications of these findings.
  • 关键词:Credit Scoring; Small and Medium Enterprises (SMEs); Multiple Regression; Intelligence Indicators
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