NDLI: Credit risk analysis of small and medium-sized enterprises based on Thai data

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Credit risk analysis of small and medium-sized enterprises based on Thai data

Content Provider	Scilit
Author	Taghizadeh-Hesary, Farhad Yoshino, Naoyuki Charoensivakorn, Phadet Niraula, Baburam
Copyright Year	2019
Description	Small and medium-sized enterprise (SMEs) often face severe difficulties raising money. Considering the bank-dominated characteristic of Asian economies, banks are the main source of financing. In order to prevent the accumulation of nonperforming loans in the 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 financial and non-financial data are not accessible just by using lending data of 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 nonperforming loans to this important sector. Book Name: Unlocking SME Finance in Asia
Related Links	https://api.taylorfrancis.com/content/chapters/edit/download?identifierName=doi&identifierValue=10.4324/9780429401060-6&type=chapterpdf
Ending Page	135
Page Count	24
Starting Page	112
DOI	10.4324/9780429401060-6
Language	English
Publisher	Informa UK Limited
Publisher Date	2019-07-01
Access Restriction	Open
Subject Keyword	Book Name: Unlocking Sme Finance in Asia Financing Credit Risk Analysis Medium Enterprise
Content Type	Text
Resource Type	Chapter

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