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Small business access to credit has been turned upside down in the United States over the last 30 years. It has moved from a difficult problem for small business owners and managers as a group to a relatively modest one. The transformation is largely due to financial services deregulation, information technology, and finance innovation. Prominent among the latter is credit scoring. Global forces have transformed the financial systems of all developed countries. Yet, when considering those changes and their implications for small business access to credit, all countries start from a different point.
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