Financial and Statistical Analysis for Commercial Loan Evaluation: A French Experience

Edward Altman, Michel Margaine, Michel Schlosser and Pierre Vernimmen

Journal of Financial and Quantitative Analysis, 1974, vol. 9, issue 2, 195-211

Abstract: The purpose of this research is to develop a model for determining the credit worthiness of commercial loan applicants in a particular troubled industrial sector of France. The model is developed with the assistance of Banque de France, which serves tne central banking function in a banking environment that has become increasingly competitive in recent years. The research assesses the combined potential of traditional financial statement analysis with several relatively modern statistical procedures to aid the commercial loan officer.

Date: 1974
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Persistent link: https://EconPapers.repec.org/RePEc:cup:jfinqa:v:9:y:1974:i:02:p:195-211_01

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