Measuring and Managing Credit Risk in SMEs : a Quantitative and Qualitative Rating Model

  title={Measuring and Managing Credit Risk in SMEs : a Quantitative and Qualitative Rating Model},
  author={Ivan De Noni},
The main aim of this paper is to develop a qualitative and quantitative credit risk rating model for SMEs. The scope of this model is to assign, through a discriminant function (see Altman,1969), a synthetic judgment of the firm management ( Z ). First of all it must characterize variables that multiplied for a weighted coefficient allow us to determine a score of the analyzed enterprises. n The classification is based on a discriminating function that maximize the variance of the variables… CONTINUE READING
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