five C's of credit   The QuotableFive C's, Strischek, D. (2000). The Quotable Five C's.Journal of Lending and Credit Risk Management,82(7), 47-49. In this book, the author complements the five Cs with quotable statements from individuals inside and outside of banking. These quotes have been selected for both their educational and entertainment value. Commercial lenders' use of accounting information in interaction with source credibility, Beaulieu, P. R. (1994).Contemporary Accounting Research,10(2), 557-585. This paper presents an insight into the credibility of individual commercial borrowers, and the effects of lenders' use of accounting information. Creditevaluation: monitoring the financial health of agriculture, Gustafson, C. R. (1989). Credit evaluation: monitoring the financial health of agriculture.American Journal of Agricultural Economics,71(5), 1145-1151. The 7Csof ruralcreditin China, Turvey, C. G., He, G., Kong, R., Ma, J., & Meagher, P. (2011). The 7 Cs of rural credit in China.Journal of Agribusiness in Developing and Emerging Economies,1(2), 100-133. The purpose of this paper is to provide an overview of the farm and rural credit system in China. To do this the authors use the socalled 7 Cs of credit (these include: Credit, Character, Capacity, Capital, Condition, Capability, and Collateral) and for each C provide some aspect of importance related to agricultural finance. This paper is based on a survey of 897 farms in the Shaanxi and Gansu provinces inn China during 2009.     Two stagescreditevaluation in bank loan appraisal, Chen, Y., Guo, R. J., & Huang, R. L. (2009). Two stages credit evaluation in bank loan appraisal.Economic Modelling,26(1), 63-70. Traditionally, banks conduct standard credit evaluation such as credit scoring following the receipt of loan request and make the accept/reject decision accordingly. This research explores the possibility of two stages credit evaluation in lending process. The sixthCofcredit, Brody, R. G., & Frank, K. E. (1998). The sixth C of credit.Journal of Performance Management,11(3), 46. Accounting transparency and the term structure ofcreditspreads, Yu, F. (2005). Accounting transparency and the term structure of credit spreads.Journal of Financial Economics,75(1), 53-84. This paper examines the theory that predicts that the quality of a firm's information disclosure can affect the term structure of its corporate bond yield spreads. The paper shows that firms with higher Association for Investment Management and Research disclosure rankings tend to have lower credit spreads, using cross-sectional regression and Nelson-Siegel yield curve estimation. The evolving role ofcreditrisk management, Atkinson, W. (2005). The evolving role of credit risk management.Risk Management,52(4), 56. The 5C'sofCreditin the Lending Industry, Baiden, J. E. (2011). The 5 C's of Credit in the Lending Industry. This paper analyses the 5 Cs (Credit, Character Capacity, Capital, Collateral, Conditions) in the lending industry. It provides a detiled explanation as to how each factor affects lending processes. Two stepcreditrisk assessment model for retail bank loan applications using Decision Tree data mining technique, Sudhakar, M., & Reddy, C. V. K. (2016). Two step credit risk assessment model for retail bank loan applications using Decision Tree data mining technique.International Journal of Advanced Research in Computer Engineering & Technology (IJARCET),5(3), 705-718. In this paper, the authors introduce an effective prediction model for the bankers that help them predict the credible customers who have applied for loan. This model is designed to assist in better data mining performance. A prototype of the model is described in this paper which can be used by the organizations in making the right decision to approve or reject the loan request of the customers.