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Call for Papers: Developing Credit Databases and Credit Scoring for Micro, Small, and Medium-Sized Enterprises and Promoting Start-Up Businesses

Developing Credit Databases and Credit Scoring for Micro, Small, and Medium-Sized Enterprises and Promoting Start-Up Businesses
ADBI, Tokyo, Japan
19-20 October 2016

The global economic slowdown after the financial crisis impeded governments’ efforts to promote sustainable growth. In Asia, export receipts have fallen, so private investment as an engine of growth is becoming more important. More interest is being paid to micro, small, and medium-sized enterprises (MSMEs), which consistently face difficulties obtaining credit for working capital and for start-up. MSMEs struggle to access traditional bank lending channels and capital markets. Limited access to traditional bank lending channels is mainly due to information asymmetries. Developing comprehensive and integrated MSME credit databases and credit-scoring methodologies could enable financial institutions to reliably score credit risk, thereby reducing asymmetry. Limited access to capital markets is mainly due to the size of business. Crowdfunding and hometown investment trust funds provide better access to finance for small business.

The Asian Development Bank Institute (ADBI) invites submission of theoretical and empirical papers on developing credit databases and credit scoring for MSMEs and promoting start-up businesses. We are looking for original unpublished research papers related to, but not limited to, the following topics:

  • Empirical analysis of credit-scoring methodologies and prediction of delinquency based on available MSME credit data or alternative data (utility, telecommunication payment, large data, etc.)
  • Empirical analysis of optimum collateral and credit guarantee ratio in Asia
  • Principles of good credit information infrastructure in Asia (credit risk database, credit information registries, credit bureau, credit-rating agencies, and credit guarantee corporation)
  • Evaluation of credit infrastructure in selected countries in Asia
  • Credit reporting and the use of credit-rating data to promote MSME financing in Asia: lessons learned from successful economies
  • Examination of tools to promote financial access to MSMEs and start-up businesses:
    • Traditional channels (capital markets, financial intermediaries)
    • Nontraditional channels (mobile money operators, e-commerce players, fintech companies, business retailers, etc.)

ADBI will cover the travel and accommodation costs of one author per paper. Accepted papers will be considered for an ADBI working paper and as part of an edited book volume.

Important dates:

  • Deadline for submission of draft paper(s) or substantial abstract: 15 September 2016
  • Decisions by Academic Committee on Submissions: 30 September 2016
  • Workshop date: 19–20 October 2016

Submissions should be emailed to: Pornpinun Chantapacdepong, research fellow, [email protected] and Lan H. Nguyen, research associate, [email protected]. Asian Development Bank Institute, Tokyo, Japan. www.adbi.org