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1 mars 2020
- handle: 10670/1.nvlfrd
Ce document est lié à :
10.15665/dem.v18i(1).2140
info:eu-repo/semantics/openAccess
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Susan Cancino et al., « CREDIT DECISION-MAKING AND INFORMATION REQUIREMENTS », Dimensión Empresarial, ID : 10670/1.nvlfrd
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Résumé
The world economy experienced a systemic financial crisis that resulted from a period of excessive borrowing and lending. The purpose of the research was to understand the credit decision-making process and the information requirements by banks. A survey was conducted among twenty-two Brazilian credit establishments and results showed that the perceived importance and actual frequency of use of resources such as audited accounts, banker´s internal records and loan experience were similar, and security was an important issue for small businesses due to the problem of information asymmetry.