• ISSN: 2010-023X
    • Frequency: Bimonthly
    • DOI: 10.18178/IJTEF
    • Editor-in-Chief: Prof.Tung-Zong (Donald) Chang
    • Executive Editor: Ms. Cherry L. Chen
    • Abstracting/ Indexing: Engineering & Technology Digital Library, ProQuest, Crossref, Electronic Journals Library, DOAJ , EBSCO, and Ulrich's Periodicals Directory
    • E-mail: ijtef@ejournal.net
IJTEF 2010 Vol.1(3): 242-246 ISSN: 2010-023X
DOI: 10.7763/IJTEF.2010.V1.44

RISK CLASSIFICATION BASED ONDISCRIMINANT ANALYSIS FOR SMES’

Srinvas Gumparthi and Dr. V.Manickavasagam
Abstract—Credit rating agencies specializes in analyzing and evaluating the creditworthiness of large corporate and issuers of debt securities. In the new financial architecture, credit rating agencies are expected to become more important in the management of both corporate and credit risk. Their role is limited to the large scale companies and multi corporations. Credit Rating Agencies focus was never on Small and Medium Enterprises where credit worthiness related information asymmetry is too large. On the other hand banks also handicapped by not having robust comprehensive models. To bridge the gap this research attempt has been made to provide solutions to the small and medium enterprises and banks.

Index Terms—Credit Rating, Discriminant Analysis, SMEs’, Economic Cycles, Business Cycle.

Srinvas Gumparthi, SSN School of Management & Computer Applications. Dr. V.Manickavasagam, Professor & Controller of Examinations, Department of Corporate Secretaryship, Alagappa University,Karaikudi, India.

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Cite:Srinvas Gumparthi and Dr. V.Manickavasagam, "RISK CLASSIFICATION BASED ONDISCRIMINANT ANALYSIS FOR SMES’," International Journal of Trade, Economics and Finance vol.1, no.3, pp. 242-246, 2010.

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