The Credit Management Research Centre (CMRC) is an independent research centre specialising in credit risk, business finance, and financial system analysis. The Centre produces data-driven research designed to inform policy, improve lending practice, and deepen understanding of how financial markets operate in practice.
CMRC’s work combines large-scale empirical analysis with applied econometric methods, focusing on areas where conventional data and models provide limited insight. The centre’s research is designed to combine academic rigour with practical relevance for policymakers, lenders, businesses, and the wider research community.
Research Themes
Credit risk and scoring
Credit modelling, default analysis, and borrower and firm-level risk.
Business and SME finance
Lending markets, access to finance, firm performance, and SME funding.
Equity finance and policy
Venture capital, regional finance, and policy-relevant market design.