Relevant bibliographies by topics / Creditworthiness assessment

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
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Academic literature on the topic 'Creditworthiness assessment'

Author: Grafiati
Published: 28 May 2022
Last updated: 31 July 2025

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Journal articles on the topic "Creditworthiness assessment"

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Prigoda, Ludmila, Tatiana Paladova, and Elena Malceva. "SMALL BUSINESSES CREDITWORTHINESS ASSESSMENT." MEST Journal 1, no. 1 (2013): 27–36. http://dx.doi.org/10.12709/mest.01.01.01.03.pdf.

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Livada, Christina K. "Assessment of consumers’ creditworthiness." ERA Forum 20, no. 2 (2019): 225–36. http://dx.doi.org/10.1007/s12027-019-00574-w.

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Čančer, Vesna, Miroslav Rebernik, and Jožica Knez-Riedl. "The environmental creditworthiness assessment methodology." Our Economy, Journal of Contemporary Issues in Economics and Business 59, no. 1-2 (2013): 66–74. http://dx.doi.org/10.7549/ourecon.2013.1-2.07.

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Zaruk, Natalia Fedorovna, and Elena Sergeevna Kolomeeva. "Analysis of the creditworthiness of agribusiness organizations as a tool for obtaining additional Bank financing." Buhuchet v sel'skom hozjajstve (Accounting in Agriculture), no. 9 (September 1, 2020): 39–48. http://dx.doi.org/10.33920/sel-11-2009-05.

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The article presents various approaches and methods for assessing the creditworthiness of agricultural organizations in order to obtain additional funding. Models of analysis of the borrower’s creditworthiness by foreign banks and some Russian credit institutions are considered. A comparative assessment of the main methods for determining the level of creditworthiness of a borrower — legal entity is given based on: statistical models (methods) of assessment; models of limited expert assessment; models of direct expert assessment. It is established that major Russian banks mainly use methods fo
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Gopalakrishnan, Karthika. "Leveraging Machine Learning for Creditworthiness Assessment in Banking." International Journal of Science and Research (IJSR) 12, no. 7 (2023): 2284–88. https://doi.org/10.21275/sr24531144804.

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Alexander Petruk, Olena Lagovska, Nataliya Vyhovska, and Volodymyr Vyhovskyi. "DEVELOPMENT OF METHODOLOGICAL PRINCIPLES FOR CREDITWORTHINESS ASSESSMENT AS A BASIS FOR CREDIT RISK IDENTIFICATION OF THE BANK." European Cooperation 9, no. 40 (2018): 29–39. http://dx.doi.org/10.32070/ec.v9i40.25.

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The work deals with the methodological principles for creditworthiness assessment of the borrower, which serves as the basis for determining the bank credit risks and directions for improving the regulation. The authors took into account the off-balance sheet liabilities in order to improve the methodology of assessing the borrower's creditworthiness, which allowed to increase the accuracy of the bank's credit risk assessment and is the basis for effective management decisions on the credit approval. As a result of the analysis of methodological support for assessing the borrower's creditworth
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Kulliev, Istam. "IMPROVEMENT OF ASSESSMENT OF CREDITWORTHINESS OF INDIVIDUALS IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN." Economics and Education 24, no. 3 (2023): 124–31. http://dx.doi.org/10.55439/eced/vol24_iss3/a19.

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This article highlights the importance of creditworthiness assessment and scoring system of individuals. The expansion of lending practices to individuals by commercial banks, minimizing the risks associated with this process and preventing the occurrence of problem loans requires improving the creditworthiness of customers. In particular, today's offering of online credit services requires process automation and creditworthiness assessment taking into account all factors.
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Butor-Keler, Agnieszka. "SELECTED ISSUES OF THE ASSESSMENT OF THE CREDITWORTHINESS OF ENTERPRISES." Zeszyty Naukowe Wyższej Szkoły Humanitas Zarządzanie 21, no. 1 (2020): 269–82. http://dx.doi.org/10.5604/01.3001.0014.1258.

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Modern models of creditworthiness testing are automated. By creating models, the aim is to objectify the process and reduce the time to issue a credit decision. There is a difference between the creditworthiness testing used by banks that often use credit scoring and companies from the FinTech sector which base their ability testing on complex algorithms that take into account the characteristics of the subject and person. Should be emphasized threats exemplified by the implementation of the program of the Chinese Social Credit System. It is based on a point social assessment that may have a d
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Масленников, Анатолий, and Anatoliy Maslennikov. "ANALYSIS AND ASSESSMENT OF THE CREDITWORTHINESS OF BORROWER." Services in Russia and abroad 10, no. 5 (2016): 58–68. http://dx.doi.org/10.12737/21196.

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In modern conditions commercial banks and enterprises inadequate use the credit opportunities for innovative projects investment to ensure the continuity and acceleration of the reproduction process and timeliness of settlements with suppliers and creditors. Banks need to significantly change the approach to the analysis and assessment of the creditworthiness of borrower and methods for their implementation. 
 This article clarifies the concept of "creditworthiness", defines list of tasks to be solved in the process of analysis and assessment of borrower’s status.
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SHEPTUKHA, Olena, and Anna LAPTIEVA. "Assessment of the borrower's credit capacity using discriminative analysis." Economics. Finances. Law, no. 6 (June 26, 2020): 25–28. http://dx.doi.org/10.37634/efp.2020.6.6.

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Introduction. At the present stage of economic development in the organization of credit relations uses a significant number of approaches and methods to determine the creditworthiness of the borrower. Today, banking institutions are developing different approaches to the analysis of the borrower's creditworthiness. Moreover, each bank determines its own method of assessing the financial condition of a potential borrower, taking into account the specific terms of the contract. Assessment of creditworthiness of the enterprise by the method of discriminant analysis is carried out by calculating
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Dissertations / Theses on the topic "Creditworthiness assessment"

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Zurek, Tomasz. "Feasibility study of applied creditworthiness assessment methods in European and South African microlending organisations." Thesis, Stellenbosch : Stellenbosch University, 2002. http://hdl.handle.net/10019.1/52845.

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Thesis (MBA)--Stellenbosch University, 2002.<br>ENGLISH ABSTRACT: Start-ups, especially those established out of unemployment, and existing micro businesses experience major difficulties in obtaining funds, both in the start-up or expanding process, around the world. Most entrepreneurs in start-up organisations do not have a credit history, do not possess capital or traditional collateral and lack managerial experience and qualifications. Because mainstream banks perceive them as being too small, new and risky, the required capital amounts are insufficient to cover the banks expenditure
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Ankaräng, Marcus, and Jakob Kristiansson. "Comparison of Logistic Regression and an Explained Random Forest in the Domain of Creditworthiness Assessment." Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2021. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-301907.

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As the use of AI in society is developing, the requirement of explainable algorithms has increased. A challenge with many modern machine learning algorithms is that they, due to their often complex structures, lack the ability to produce human-interpretable explanations. Research within explainable AI has resulted in methods that can be applied on top of non- interpretable models to motivate their decision bases. The aim of this thesis is to compare an unexplained machine learning model used in combination with an explanatory method, and a model that is explainable through its inherent structu
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Esekow, Jeremy. "An exploratory study of behavioural finance insights in the Small, Medium and Micro-Enterprise creditworthiness assessment process." Doctoral thesis, University of Cape Town, 2011. http://hdl.handle.net/11427/10454.

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Financial institutions are often reluctant to lend to smaller entrepreneurs due to perceived information asymmetry and lack of available collateral. At the nascent and new entrepreneurial levels, it is generally more difficult for loan applicants to provide the information required to secure the necessary funds. Inadequate financial information coupled with uninformative credit histories heighten the information opacity thus diminishing the entrepreneur's prospects of securing loan funding. Viable entrepreneurial projects may therefore remain unfunded largely due to uncertainty rather than ris
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Бондаренко, Алла Федорівна, Алла Федоровна Бондаренко, Alla Fedorivna Bondarenko та ін. "Теоретико-методологічні засади визначення кредитоспроможності підприємства в ринкових умовах". Thesis, Сумський державний університет, 2018. https://essuir.sumdu.edu.ua/handle/123456789/87266.

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Розглядаються проблемні питання щодо визначення сутності поняття кредитоспроможності позичальника. Узагальнюється система показників і критеріїв оцінки кредитоспроможності підприємства<br>Рассматриваются проблемные вопросы определения сущности понятия кредитоспособности заемщика. Обобщается система показателей и критериев оценки кредитоспособности предприятия<br>Problematic issues concerning the definition of the essence of the concept of creditworthiness of the borrower are considered. The system of indicators and criteria for assessing the creditworthiness of the enterprise is generalized
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Моісеєнко, М. А. "Кредитоспроможність підприємства та напрями її покращення". Master's thesis, Сумський державний університет, 2018. http://essuir.sumdu.edu.ua/handle/123456789/71548.

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У роботі розкрито теоретичні та практичні основи кредитоспроможності позичальника та напрями її покращення.<br>В работе раскрыты теоретические и практические основы кредитоспособности заемщика и направления ее улучшения.<br>The theoretical and practical bases of the borrower's creditworthiness and directions of its improvement are revealed.
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Iezzi, Novella. "La meritevolezza concorsuale. Prospettive storiche e comparate dalle origini al nuovo Codice della Crisi d'Impresa e dell'Insolvenza: un focus sul consumatore." Doctoral thesis, Urbino, 2021. http://hdl.handle.net/11576/2691277.

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La meritevolezza concorsuale è un criterio di interpretazione giudiziale utile a selezionare categorie di soggetti da sottrarre alle conseguenze più severe di applicazione della legge fallimentare. Per essere in grado di servire interessi mutevoli e di adattarsi a logiche punitive differenti, la meritevolezza deve necessariamente consistere in una clausola elastica. Non a caso, nell’arco dell’ultimo secolo, essa ha rappresentato il criterio di accesso al concordato preventivo del debitore commerciale onesto e sfortunato, altrimenti destinato al fallimento; poi il filtro attraverso il quale il
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Джонмуродова, Н. Д. "Статистична оцінка кредитоспроможності клієнтів банку". Thesis, 2018. http://dspace.oneu.edu.ua/jspui/handle/123456789/9645.

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У випускній роботі охарактеризовані сучасні концепції та підходи до статистичної оцінки кредитоспроможності клієнтів банку. Обґрунтовано необхідність оцінки кількісних та якісних показників кредитоспроможності потенційних позичальників. The graduation paper describes modern concepts and approaches to the statistical assessment of the bank's creditworthiness. The necessity of estimation of quantitative and qualitative indicators of creditworthiness of potential borrowers is substantiated.
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Pokorná, Veronika. "Vybrané otázky právní úpravy ochrany akcionářů v obchodním zákoníku." Doctoral thesis, 2014. http://www.nusl.cz/ntk/nusl-338467.

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This dissertation looks at selected matters covered by the statutory provisions on the shareholders protection as set out in the Commercial Code. It focuses mainly on the matters contained in Section 196a of the Commercial Code, Section 193 (2) of the Commercial Code, and on the issue of financial assistance. In addition, this dissertation deals with the legal protection of shareholders under the Business Corporations Act which is to take effect on 1 January 2014, and provides a brief outline of how these matters are regulated under certain foreign laws. As well, it provides a comparison with
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Books on the topic "Creditworthiness assessment"

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De Laurentis, Giacomo, Eugenio Alaio, Elisa Corsi, et al. Rischio di credito 2.0. AIFIRM, 2021. http://dx.doi.org/10.47473/2016ppa00030.

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The EBA Guidelines on loan origination and monitoring (hereinafter "GL LOM") undoubtedly represent a substantially new piece of the banking regulatory framework. In fact, for the first time, the regulator moves into a topic that was traditionally outside the scope of financial regulation, so far almost exclusively focused on aspects directly linked to both micro- and macro-prudential stability, notably through capital and liquidity management requirements and guidelines on Business Model and Internal Governance. The credit management process, and in particular loan origination and monitoring,
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Book chapters on the topic "Creditworthiness assessment"

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Chorafas, Dimitris N. "Practical Applications: the Assessment of Creditworthiness." In Modelling the Survival of Financial and Industrial Enterprises. Palgrave Macmillan UK, 2002. http://dx.doi.org/10.1057/9780230501737_4.

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Formisano, Vincenzo. "Intangibles in the Assessment of Creditworthiness." In Non-Knowledge Risk and Bank-Company Management. Palgrave Macmillan UK, 2016. http://dx.doi.org/10.1057/9781137497130_5.

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York, Mark, Munther Dahleh, and David C. Parkes. "Eliciting Social Knowledge for Creditworthiness Assessment." In Web and Internet Economics. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-94676-0_24.

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Floreani, Josanco, Enrico Geretto, Maurizio Polato, and Giulio Velliscig. "Assessment of Creditworthiness and Rating in Business Networks." In Banks and Business Networks. Routledge, 2022. http://dx.doi.org/10.4324/9781003305743-4.

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Muñoz-Cancino, Ricardo, Cristián Bravo, Sebastián A. Ríos, and Manuel Graña. "Assessment of Creditworthiness Models Privacy-Preserving Training with Synthetic Data." In Lecture Notes in Computer Science. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-15471-3_32.

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Agarwal, Harsh, Subhash C. Patel, Prithviraj Mutalik, and Deepti Dave. "Analysis of creditworthiness and risk assessment management for enterprises using machine learning." In Emerging Trends in Industrial Engineering and Management. CRC Press, 2025. https://doi.org/10.1201/9781003512585-17.

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Vardi, Noah. "Creditworthiness Assessment as a Macroprudential Duty." In Creditworthiness and 'Responsible Credit'. Brill | Nijhoff, 2022. http://dx.doi.org/10.1163/9789004525054_003.

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Vardi, Noah. "Creditworthiness Assessment and Other Contractual Duties as Tools of ‘Responsible Credit’: the Case of Consumer Loans." In Creditworthiness and 'Responsible Credit'. Brill | Nijhoff, 2022. http://dx.doi.org/10.1163/9789004525054_005.

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Goyal, Somya, and Arti Saxena. "Creditworthiness Assessment Using Natural Language Processing." In Advances in Computational Intelligence and Robotics. IGI Global, 2021. http://dx.doi.org/10.4018/978-1-7998-7728-8.ch007.

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NLP is a wide and quickly developing segment of today's new digital technology, which falls under the domain of artificial intelligence. Alternative approaches for qualifying and quantifying an individual's creditworthiness have emerged in recent years as a result of recent advancements in AI. Banks and creditors may use AI to rate potential borrowers' creditworthiness based on alternative data, such as social media messages and internet usage, such as which websites people visit and what they buy from e-commerce stores. These digital footprints may show whether or not an individual is able to
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Berti, Alessandro. "Perspective Chapter: The Creditworthiness Assessment – Looking Forward between Fintech and EBA Guidelines." In The Future of Banking - Innovations and Challenges [Working Title]. IntechOpen, 2025. https://doi.org/10.5772/intechopen.1011521.

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The chapter will examine both the changes that have already occurred and those currently unfolding with regard to creditworthiness evaluation. In Europe, but not exclusively, there is growing awareness that artificial intelligence can certainly play a significant role in banking operations; however, the issue of customer relations and the bank-business relationship has not yet been fully addressed. The Fintech phenomenon, together with the new rules imposed by the European Banking Authority (EBA Guidelines on Loan Origination and Monitoring), risks leading to credit rationing for small- and me
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Conference papers on the topic "Creditworthiness assessment"

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Chacko, Annie, D. John Aravindhar, and A. Antonidoss. "Optimizing Creditworthiness Assessment: Leveraging PCA and ESVM for Improved Credit Score Analysis." In 2024 1st International Conference on Trends in Engineering Systems and Technologies (ICTEST). IEEE, 2024. http://dx.doi.org/10.1109/ictest60614.2024.10576158.

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Panina, L. N., Izmajlova E.S., and Kovshova E.S. "Features of the analysis and assessment of the creditworthiness of a commercial organization." In SCIENCE OF RUSSIA: GOALS AND OBJECTIVES. L-Journal, 2020. http://dx.doi.org/10.18411/sr-10-08-2020-43.

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Ciolac, Maxim, and Vitalie Chiurcciu. "Improving the assessment of borrowers' credit status to minimize losses of bank profits." In International student scientific conference, ISSC 2025 "Challenges of accounting for young researchers", 9th Edition. Academy of Economic Studies, 2025. https://doi.org/10.53486/issc2025.80.

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The article considers modern approaches to assessing the creditworthiness of borrowers in order to minimize bank losses. The growth of lending, including refinancing trends, is analyzed. The method of AI-stress-scoring is proposed, which allows predicting the future solvency of the client taking into account behavioral, social and digital parameters. Apply new solvency indicators for the enterprise, improving the work with guarantors and collateral. Recommendations for improving the system of borrower assessment, including the introduction of multi-level scoring and automated monitoring of bor
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Mensorale, Opeoluwa, and Victor Odumuyiwa. "Borrowers' Loan Repayment Coefficient Prediction Using Machine Learning." In International Conference on Artificial Intelligence and Robotics. Machine Intelligence Research Group (MIRG), 2023. https://doi.org/10.52968/15064183.

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Nano loan and unsecured loans is a fast-growing trend in the Nigeria fintech space. User creditworthiness and loan default is a problem for the whole industry. Traditional credit scoring methods have limitations in assessing the creditworthiness of diverse applicants by Loan Credit officers. In most cases, businesses lose money due to high defaults in customer loans on their loan investment portfolios. The loan repayment coefficient is a measurement of how soon a user is likely to repay a loan based on the user's historical data or similar users in the same demographic data historical data. Th
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Reports on the topic "Creditworthiness assessment"

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Masci, Pietro. The Inter-American Development Bank and Sub-Sovereign Governments Development. Inter-American Development Bank, 1999. http://dx.doi.org/10.18235/0006811.

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This presentation discusses IDB support for sub-sovereign government development in Latin America. Detailed are the experience of the IDB in quantitative and qualitative aspects, the road for Latin American countries towards creditworthiness, and the application of risk assessment of sub-sovereign governments in Latin America. The presentation ends with lessons learned which includes: complexity of project vs. proportion of risk, revenue bonds vs. general purpose bonds, creative financing structures, the role of technical assistance, and the need of an IDB strategy/role along the continuum.
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Agarwala, Matthew, Matt Burke, Jennifer Doherty-Bigara, Patrycja Klusak, and Kamiar Mohaddes. Climate Change and Sovereign Risk: A Regional Analysis for the Caribbean. Inter-American Development Bank, 2024. http://dx.doi.org/10.18235/0012885.

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Climate change is an existential threat to the world economy, with complex, evolving and nonlinear dynamics that remain a source of great uncertainty. There is a bourgeoning literature on the economic impact of climate change, but research on how climate change affects sovereign risks is limited. This paper provides forward-looking regional analysis of the effects of climate change on sovereign creditworthiness, probability of default and the cost of borrowing for the Caribbean economies. Our results indicate that there is substantial variation in the sensitivity of ratings to climate change a
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