---
title: Alternative Data and Trade Credit Financing
url: https://www.ml-quant.com/papers/repec/eee-finlet-v-58-y-2023-i-pb-s1544612323008413/
site: ML-Quant (https://www.ml-quant.com)
updated: 2026-09-26
license: Summaries CC BY 4.0; links go to the original sources
index: https://www.ml-quant.com/llms.txt
identifier: RePEc:eee:finlet:v:58:y:2023:i:pb:s1544612323008413
source_url: https://econpapers.repec.org/scripts/redir.pf?u=http%3A%2F%2Fwww.sciencedirect.com%2Fscience%2Farticle%2Fpii%2FS1544612323008413%3Bh%3Drepec%3Aeee%3Afinlet%3Av%3A58%3Ay%3A2023%3Ai%3Apb%3As1544612323008413
featured: 2023-12-20
citations: unknown
topic: Risk, Credit & Banking
---


# Alternative Data and Trade Credit Financing

The research reveals that the use of alternative data, specifically online sales data, boosts trade credit financing for firms in China.

- Source: https://econpapers.repec.org/scripts/redir.pf?u=http%3A%2F%2Fwww.sciencedirect.com%2Fscience%2Farticle%2Fpii%2FS1544612323008413%3Bh%3Drepec%3Aeee%3Afinlet%3Av%3A58%3Ay%3A2023%3Ai%3Apb%3As1544612323008413
- Identifier: RePEc:eee:finlet:v:58:y:2023:i:pb:s1544612323008413
- Released: 2023-12-20
- First featured: Quant Letter No. 30 (2023-12-20): https://www.ml-quant.com/issues/2023-12-20/
- Citations (Semantic Scholar): not tracked
- Published in: not yet
- Topic: Risk, Credit & Banking

## Related

- [Alternative Data for Credit Scoring](https://www.ml-quant.com/papers/ssrn/4852032/): The study shows that retail transaction data can be used to generate credit scores for unbanked individuals, leading to higher credit card approval rates.
- [Fintech Lending Impact on Small Business Credit](https://www.ml-quant.com/papers/repec/eee-finsta-v-73-y-2024-i-c-s1572308924000755/): Fintech lenders are using alternative data and complex models to provide loans to small businesses in high-risk areas, potentially filling the credit void left by traditional lenders.
- [Satellite Data for Climate Finance](https://www.ml-quant.com/papers/ssrn/4948587/): Satellite data from Earth Observation systems could aid in creating green financial products by filling data gaps, as per a central banking viewpoint.
- [Defining and comparing SICR-events for classifying impaired loans under IFRS 9](https://www.ml-quant.com/papers/arxiv/2303.03080/): The paper presents a new framework for predicting credit deterioration using three parameters, validated using South African mortgage data.
- [Comparative Evaluation of Anomaly Detection Methods for Fraud Detection in Online Credit Card Payments](https://www.ml-quant.com/papers/arxiv/2312.13896/): A study found that LightGBM was the best for fraud detection when comparing anomaly detection and standard supervised learning methods, but it was more susceptible to distribution shifts, questioning the advantage of combining these two methods.
- [An Explicit Scheme for Pathwise XVA Computations](https://www.ml-quant.com/papers/arxiv/2401.13314/): A new simulation/regression scheme for a type of anticipated BSDEs is introduced, using neural network least-squares and quantile regressions, showing better results in high-dimensional and hybrid market/default risks XVA use-case.