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عمومی::
اطلاعات نرم
Credit officers at banks established long-standing relationships with their borrowers and based their lending decisions mainly on soft information.
Soft information is hard to communicate.
In the 1990s, banks started to apply credit scoring to small businesses, for which soft information was typically considered most important.
With the abundance of hard information, banks are relying less and less on soft information. 14
Similarly, banks' relationship lending, which was based on soft information, has become outdated.
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