In other words, little skeptical of the globally accepted, almost axiomatic belief in the self correcting mechanism of markets, but also conscious that too much regulation could throttle, we have put in place certain safeguards, which while allowing normal free play would guard against the ability of individual market makers to move markets in directions beneficial to them but detrimental to the stability of the system.
Business micro loans are typically underwritten based, primarily or exclusively, on credit scores because the small loan size makes it unprofitable to produce such loans using more costly traditional underwriting methods. Thus, the growth in large banks’ share of micro business loans is likely attributable to their ability to benefit from economies of scale in credit-score-based lending.