Journal article

A Model for Screening Vulnerability in the Loan Market in the Context of Credit Rationing

Saeed Asadi Bagloee, Mohsen Asadi, Cyrus Mohebbi

International Journal of Strategic Decision Sciences | IGI Global | Published : 2014


The loan market has contributed to the success and failure of economies. Examples of such failures are the US subprime mortgage crisis as well as the global economic meltdown that followed. Many factors influence the loan market, making it volatile and vulnerable. As such, it is important to understand the extent of its vulnerability. Such uncertainties emerge from asymmetric information in the loan market that may lead to credit rationing. Many studies have been devoted to exploring theoretical aspects of the credit market. However, before delving into the theory, it is important to understand and analyze empirical data. Having said that, the literature has yet to provide reliable methodolo..

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