A NOTE ON THE USE OF SELECTED NONFINANCIAL RATIO VARIABLES TO PREDICT SMALL‐BUSINESS LOAN PERFORMANCE*
研究了用所有者、企业和贷款三类非财务比率变量预测小企业贷款是否违约，发现所有者和贷款变量比企业变量预测效果更好。
ABSTRACT Small business loan applications have not been evaluated successfully by traditional methods. This paper explores the possibility of using three types of nonfinancial ratio variables (owner, firm, and loan characteristics) to predict whether a small business will pay off or default its loan. The owner and loan variables were better predictors of loan success than the firm variables.