Justification for the Research the Research Proposal

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H3: Credit historical data is prevalent in the available IRB systems for SMEs.

Additionally, we find that the primary concern for banks is the trend of SME's short-term lines of credit.

H4: Among the SME credit history, the usage level of their short-term lines of credit represents their main determinant.

The financial structure as well as its effects is never the only determinants of the default probability as measured by rating systems. The profitability performances plays a relevant role in the credit evaluation process of a given (Edmister, 1972, Pagliacci,2006). This statement is then verified by the 5th hypothesis:

H5: An increase in profitability of an SME improves its rating.

The variables that plays a role in the failure prediction

The failure prediction models are based on a standard set of variables/indicators. Extant literature indicates that these variables can be divided into there main categories (Altman,1968; Caouette et al., 1998; Beaver, 1967; Edminster 1972; Chen & Shimerda, 1981;Pompe & Bilderbeek, 2005).

1. Loss of competitive strength as a result of a fall in the demand or a sudden drop in internal efficiency.

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2. Increase in the level of debt weight as a result of an external event, like a rise in interest rates; or on the basis of internal reasons, like reduced cash flow or a financial structure imbalance.

3. Deterioration in the quality of the nature credit relationship, especially in relation to the short-term lines of credit.

Method:

1. Conduct a literature review on the use creditworthiness models in the rating of the financial SMEs

2. Write an in-depth research report that combines my own understanding of all the relevant theories and integrates previous research with the results of my own empirical research.

Timetable:

Prepare the research proposal by Complete the data collection process by....

Complete the data analysis process by Give presentation

Complete the final report by Limitations:

Time constraint is the main limitation since the semester is relatively short and the data for the prediction of future performance/creditworthiness is mainly based on annual and quarterly reports......

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