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September 10, 2025International Econometric ReviewOpen Access

The Role of Banks’ Lending Standards in Determining Creditworthiness of Firms: Evidence from Turkish Banks

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Authors

SDSelman DalSMSeyid MAHMUD

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Overview

Logistic regression analysis reveals how bank lending standards influence credit scoring in SMEs, suggesting stronger effects from public banks.

Key Points

  • Eased lending standards significantly increase the probability of better credit scores for firms.
  • Public banks exhibit a stronger relationship between lending standards and creditworthiness compared to private banks.
  • The spread between CBRT Average Funding Rate and Fed Funds Rate is a notable determinant of credit scores.
  • During the 2018 currency crisis, banks adopted more conservative lending strategies.

Cite This Study

Dal et al. (2025) studied this question.

synapsesocial.com/papers/68c1ac0154b1d3bfb60e45e6https://doi.org/10.33818/ier.1659420
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