Credit risk modeling for small business lending – Complete Phd and Masters Thesis

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Introduction:

In the financial industry, credit risk modeling plays a crucial role in determining the creditworthiness of borrowers and assessing the likelihood of default on loans. This is particularly important in the context of small business lending, where the risk of default can be higher due to the limited financial resources and operational capacity of small businesses.

This thesis aims to delve into the intricacies of credit risk modeling for small business lending, with a focus on developing a comprehensive understanding of the factors that influence credit risk and exploring various modeling techniques that can be used to assess and manage this risk effectively.

The importance of this research lies in its potential to provide valuable insights for financial institutions, policymakers, and other stakeholders who are involved in small business lending. By enhancing our understanding of credit risk modeling in the context of small business lending, this study aims to contribute to the development of more accurate and reliable models for assessing credit risk and making informed lending decisions.

Table of Contents:

Chapter 1: Introduction
1.1 Introduction
1.2 Background of Study
1.3 Problem Statement
1.4 Objective of Study
1.5 Limitation of Study
1.6 Scope of Study
1.7 Significance of Study
1.8 Structure of the Thesis
1.9 Definition of Terms

Chapter 2: Literature Review
2.1 Overview of Credit Risk Modeling
2.2 Small Business Lending
2.3 Factors Influencing Credit Risk in Small Business Lending
2.4 Credit Risk Modeling Techniques
2.5 Current Practices in Credit Risk Modeling for Small Business Lending
2.6 Critique of Existing Literature
2.7 Theoretical Frameworks
2.8 Empirical Studies
2.9 Research Gaps
2.10 Conceptual Framework

Chapter 3: Research Methodology
3.1 Research Design
3.2 Data Collection
3.3 Data Analysis
3.4 Sampling Techniques
3.5 Model Development
3.6 Model Validation
3.7 Ethical Considerations
3.8 Limitations of the Study

Chapter 4: Discussion of Findings
4.1 Descriptive Analysis
4.2 Inferential Analysis
4.3 Model Performance Evaluation
4.4 Comparison of Models
4.5 Implications for Practice
4.6 Recommendations for Future Research

Chapter 5: Conclusion and Summary
5.1 Summary of Findings
5.2 Conclusions
5.3 Contributions to Knowledge
5.4 Practical Implications
5.5 Recommendations for Stakeholders
5.6 Future Research Directions
5.7 Conclusion

Thesis Overview:

The objective of this thesis is to explore the intricacies of credit risk modeling for small business lending, with a particular focus on developing an in-depth understanding of the factors that influence credit risk in this context. The research will involve a comprehensive review of existing literature on credit risk modeling and small business lending, as well as an analysis of current practices and challenges in this area.

The study will employ a mixed-methods research design, incorporating both qualitative and quantitative data collection and analysis techniques. The data will be collected from a sample of small businesses and financial institutions, and various credit risk modeling techniques will be applied to assess and manage credit risk effectively.

The findings of this study are expected to provide valuable insights for stakeholders involved in small business lending, including financial institutions, policymakers, and regulatory bodies. By enhancing our understanding of credit risk modeling in the context of small business lending, this research aims to contribute to the development of more accurate and reliable models for assessing credit risk and making informed lending decisions.

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