Consistency of credit evaluations at agricultural banks

Paul N. Ellinger, Nate S. Splett and Peter J. Barry
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Paul N. Ellinger: Department of Agricultural Economics, Texas A&M University, Postal: Department of Agricultural Economics, Texas A&M University
Nate S. Splett: Department of Agricultural Economics at the University of Illinois at Urbana-Champaign, Postal: Department of Agricultural Economics at the University of Illinois at Urbana-Champaign
Peter J. Barry: Department of Agricultural Economics at the University of Illinois at Urbana-Champaign, Postal: Department of Agricultural Economics at the University of Illinois at Urbana-Champaign

Agribusiness, 1992, vol. 8, issue 6, 517-536

Abstract: Commercial banks are using more comprehensive and formal methods to evaluate agricultural producers. This study reports the characteristics and performance of 87 credit scoring models currently in use by lenders. True product-moment and rank correlations are used to measure consistency among the models. The results of this studs underscore the continuing lack of a uniform model or models for lenders to use in evaluating the creditworthiness of agricultural borrowers. The relatively high disparity among the systems now in place suggest informational deficiencies in this aspect of rural credit markets, and the need for further interchange among lenders, borrowers and analysts about the properties of credit scoring models. © 1992 John Wiley & Sons, Inc.

Date: 1992
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Persistent link: https://EconPapers.repec.org/RePEc:wly:agribz:v:8:y:1992:i:6:p:517-536

DOI: 10.1002/1520-6297(199211)8:6<517::AID-AGR2720080604>3.0.CO;2-E

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