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英文文献：Credit Assessment And Rationing In A Federal Lending Framework-联邦贷款框架中的信用评估和配给
英文文献作者：Brooks, Rodney L.,Escalante, Cesar L.,Epperson, James E.,Stegelin, Forrest E.
英文文献摘要：
Empirical evidence on the Farm Service Agency's credit evaluation and minority lending practices are presented using actual borrower data during aftermath of 1997 class action suit by Black farmers. Results indicate non-applicability of conventional credit assessment methods of private lenders, thus reinforcing FSA's role as lender of last resort.
本文利用1997年黑人农民集体诉讼后的实际借款人数据，提出了农业服务机构信用评估和少数人贷款实践的经验证据。结果表明，传统的信用评估方法对私人贷方的不适用性，从而加强了金融服务管理局作为最后贷款人的作用。
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