The DOI matches its Crossref record.
A Credit Scoring Model for Commercial Loans
Abstract
An increasing number of credit scoring models have been developed in recent years as a scientific aid to the traditionally heuristic process of credit evaluation. With few exceptions these models are designedfor screening consumer loan applications. The purpose of this paper is to present a credit scoring model for commercial loans. The model is limited to the evaluation of existing loans and could be used by bank loan offiicers for loan review and by bank regulatory agencies for loan examination.
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“The empirical literature usually found secured lending associated with risky borrowers or with risky loans (which implies risky borrowers, since the collateral itself reduces the risk of the loan) (Orgler, 1970;Hester, 1979;Scott and Smith, 1986;Berger andUdell, 1990, 1992;Booth, 1992;Booth and Chua, 1996;Klapper, 1998).”
From The economics of small business finance: The roles of private equity and debt markets in the financial growth cycle (1998) · cites this paper as Orgler, 1970
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N. Berger, A., & F. Udell, G. (1998) · Journal of Banking & Finance · doi:10.1016/s0378-4266(98)00038-7 · Cited by 3,690
“…usually found secured lending associated with risky borrowers or with risky loans (which implies risky borrowers, since the collateral itself reduces the risk of the loan) (Orgler 1970, Hester 1979, Scott and Smith 1986, Berger and Udell 1990,1992, Booth 1992, Booth and Chua 1996, Klapper 1998).”
Spatial dependence in credit risk and its improvement in credit scoring
Fernandes, G. B., & Artes, R. (2016) · European Journal of Operational Research · doi:10.1016/j.ejor.2015.07.013 · Cited by 90
Metadata
- Authors
- Orgler, Y. E.
- Corresponding author
- Orgler, Yair E.
- Venue
- Journal of Money, Credit and Banking
- Publisher
- JSTOR
- Published
- 1970-11
- Volume
- 2
- Issue
- 4
- Pages
- 435
- ISSN
- 0022-2879 (ISSN-L)
- OpenAlex
- W2067608535
- Cited by
- 202
- References
- 0
- Citations by year
- 2026: 2 · 2025: 6 · 2024: 8 · 2023: 12 · 2022: 5 · 2021: 4 · 2020: 9 · 2019: 8 · 2018: 5 · 2017: 5 · 2016: 4 · 2015: 4 · 2014: 9 · 2013: 8 · 2012: 4
- FWCI
- 0.00
- Type
- journal article
- Language
- en
- Open access
- closed
- Locations
- Journal of money credit and banking (publishedVersion)
- RePEc: Research Papers in Economics (submittedVersion)
- Topics
- Social Sciences › Business, Management and Accounting › Accounting › Financial Distress and Bankruptcy Prediction
- Social Sciences › Economics, Econometrics and Finance › Finance › Credit Risk and Financial Regulations
- Social Sciences › Economics, Econometrics and Finance › Finance › Banking stability, regulation, efficiency
- Keywords
- credit scoring, commercial loans, loan evaluation, banking regulation, credit risk assessment
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