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    The Future of Small Business Lending

    September 2016

    Learn how leading organizations are leveraging technological advances and risk assessment to: streamline processes; build more efficient, consistent, and profitable small business lending practices; and, enhance the customer experience and provide more value to their constituents.

    Small business lending, particularly at banks, continues to be characterized by manual processes, fragmented data, and inconsistent practices for controlling risk.

    Learn how leading organizations are leveraging technological advances and risk assessment to:

    • Streamline processes
    • Build more efficient, consistent, and profitable small business lending practices
    • Enhance the customer experience and provide more value to their constituents
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    Seven key challenges in assessing SME credit risk

    Assessing the credit risk of small and medium size enterprises (SMEs) is one of the most challenging tasks in banking. The difficulties stem from fragmented financial data, the strength of risk models, length of the process, and broader issues such as the tension between sales and credit. The competitive lending environment, regulatory requirements, different geographies, and positions in the economic and credit cycles also have an impact. This paper discusses how these challenges might be addressed from a Moody's Analytics perspective, which has been developed over time with our extensive experience in assessing credit risk.

    September 2016 Pdf Helene Page
    Article

    The Future of Small Business Lending

    In this article, we provide a summary of findings from our recent market research study on small business lending, which focused on the lending process and the challenges associated with banks’ credit risk assessments.

    WebPage Avinash Arun, Nancy Michael, Helene Page
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