Global S&T Development Trend Analysis Platform of Resources and Environment
Credit Risk Analysis of Small and Medium-Sized Enterprises Based on Thai Data | |
[unavailable] | |
2018-12-19 | |
出版年 | 2018 |
语种 | 英语 |
国家 | 国际 |
领域 | 气候变化 |
英文摘要 |
SMEs make a significant structural contribution to the Thai economy. SMEs often have severe difficulties raising money. Considering the bank-dominated characteristic of economies in Asia, banks are the main source of financing. In order to prevent the accumulation of non-performing loans in the small and medium-sized enterprise (SME) sector, it is crucial for banks to distinguish healthy SMEs from risky ones. This chapter 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 3,272 Thai SMEs and classify them into subgroups based on their financial health. The source of data used for the credit risk analysis in this research is the National Credit Bureau of Thailand. 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 number of non-performing loans to this important sector. WORKING PAPER NO: 905 |
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来源平台 | Asian Development Bank |
文献类型 | 科技报告 |
条目标识符 | http://119.78.100.173/C666/handle/2XK7JSWQ/236588 |
专题 | 气候变化 |
推荐引用方式 GB/T 7714 | [unavailable]. Credit Risk Analysis of Small and Medium-Sized Enterprises Based on Thai Data,2018. |
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文件名称/大小 | 文献类型 | 版本类型 | 开放类型 | 使用许可 | ||
adbi-wp905.pdf(611KB) | 科技报告 | 开放获取 | CC BY-NC-SA | 浏览 下载 |
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