Establishment of the credit risk database: Concrete use to evaluate the creditworthiness of SMEs

Satoshi Kuwahara, Naoyuki Yoshino, Megumi Sagara, Farhad Taghi Zadeh Hesary

Research output: Chapter in Book/Report/Conference proceedingChapter

1 Citation (Scopus)


A credit risk database (CRD) makes it possible to mitigate the problem of information asymmetry between SMEs and financial institutions and contributes to improving SMEs’ access to finance by collecting a large number of financial statements through the mechanism of SME finances and establishing a robust statistical model. In this chapter, we use the CRD in Japan, confirm the situation in Japan, and highlight the CRD’s contribution to evaluating the creditworthiness of SMEs. We also explain how to establish the CRD as a financial infrastructure, while indicating that the CRD and the scoring model based on it have maintained their quality due to their operating system. We hope our experience contributes to the introduction of a statistical CRD composed of a large number of anonymous financial statement data in other countries and that the CRD helps improve SMEs’ access to finance as a financial infrastructure.

Original languageEnglish
Title of host publicationUnlocking SME Finance in Asia
Subtitle of host publicationRoles of Credit Rating and Credit Guarantee Schemes
PublisherTaylor and Francis
Number of pages23
ISBN (Electronic)9780429684579
ISBN (Print)9781138353428
Publication statusPublished - 2019 Jan 1

ASJC Scopus subject areas

  • Economics, Econometrics and Finance(all)
  • Business, Management and Accounting(all)


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