November 2007
Intermediate to advanced
216 pages
7h 20m
English
Content preview from The Analytics of Risk Model ValidationBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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1
Determinants of small business default*
Sumit Agarwal†; Souphala Chomsisengphet‡; Chunlin Liu¶† Federal Reserve Bank of Chicago, Chicago, IL‡ Office of the Comptroller of the Currency, Washington, DC¶ College of Business Administration, University of Nevada, Reno, NV
Abstract
In this paper, we empirically validate the importance of owner and business credit risk characteristics in determining default behaviour of more than 31 000 small business loans by type and size. Our results indicate that both owner- and firm-specific characteristics are important predictors of overall small business default. However, owner characteristics are more important determinants of small business loans but not small business lines. We also differentiate between small ...
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