Reconsideration Of The Bank Credit Assessments: Theoretical And Practical Issues
The purpose of this paper is to discuss conceptual and methodological issues related to bank credit assessments of applications from small and medium-sized companies in the context of current events in the financial markets. A case study of a large Swedish bank will be conducted and data will be captured and analyzed with the repertory grid technique. Information will be collected through interviews with about 75 bank loan officers or bank managers to allow statistical analyses. Similarities and differences between groups of bank loan officers (e.g. senior experts and novices) will be identified. A "Co-research" approach will be used by involving the respondents in analyzing and interpreting the results.