英文文献：Racial Minority Lending Trends at the Farm Service Agency
英文文献作者：Escalante, Cesar L.,Epperson, James E.,Stegelin, Forrest E.,Brooks, Rodney L.
英文文献摘要：
A binomial logistic framework is used to determine important linkages between the FSA's decision on each loan application and the applicants financial and demographic attributes. Using data on both rejected and accepted FSA loan applications, empirical results indicate loan approval decisions were not significantly influenced by the borrowers' racial class and that, in contrast to the credit risk assessment standards employed by commercial lenders, the collective influence of more stringent and objective credit scoring measures on FSA loan approval decisions is insignificant.