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SSRN Id3721218 by Willem Vincent is a document available to read on EtoBox.

What is SSRN Id3721218 about?

This study analyzes loan transaction data from a Chinese online bank to compare fintech and bank approaches to credit risk assessment for small and medium enterprises. The fintech approach uses big data and machine learning while the bank approach uses traditional financial data and scorecards. The study finds the fintech approach yields better prediction of loan defaults, especially during economic shocks, due to information and modeling advantages.

Author

Willem Vincent

Language

EN