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Description of the project
The overall objectives of the study are to have an overview of the bank practices in rating/scoring of SMEs and of the feedback they provide to SMEs, on a voluntary base or upon request from SMEs. The evaluation will:
- Evaluate rating/scoring systems used by banks, with particular attention on the use of qualitative ratings;
- Assess whether and what type of feedback is provided to SMEs, e.g. just a code or also the underlying assessment, with a focus on the implementation of the CRD provision mentioned below;
- Investigate in depth the effectiveness and benefits provided by such feedback and how it is improving SMEs chances of getting better bank financing. |