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Explore the intricate link between credit ratings and bank-firm relationships, focusing on Small and Medium Enterprises (SMEs). This book introduces innovative models for enhanced SME evaluation, offering valuable insights into credit risk assessment. Understand how these models can improve lending decisions and foster stronger bank-SME connections. Delve into the complexities of credit scoring and its impact on SME financing, providing a fresh perspective on financial analysis. Essential reading for finance professionals and researchers interested in SME credit risk.