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Externes und internes Rating. Analyse des Rating-Prozesses

Externes und internes Rating. Analyse des Rating-Prozesses

          
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About the Book

Studienarbeit aus dem Jahr 2021 im Fachbereich BWL - Investition und Finanzierung, Note: 1.7, FOM Hochschule für Oekonomie & Management gemeinnützige GmbH, Köln, Sprache: Deutsch, Abstract: Diese Arbeit analysiert den Rating-Prozess und untersucht das externe und interne Rating. Heutzutage wächst die Wirtschaft beständig und wird stets komplexer. Banken stellen das Hauptkreditinstitut am Kapitalmarkt dar und nehmen eine systemrelevante Rolle in der Wirtschaft ein. Banken sind im Wesentlichen vier verschiedenen Risiken ausgesetzt, auf diese sie jederzeit vorbereitet sein müssen. Zum einen das Kreditrisiko, dass der Kreditnehmer seinen Forderungen nicht mehr nachkommen kann. Des Weiteren die Marktpreisrisiken inklusive Zinsrisiken. Außerdem das Liquiditätsrisiko, denn Banken finanzieren sich in der Regel kurzfristig und müssen langfristig vergebene Kredite permanent in Abhängigkeit der Fristentransformation steuern. Zuletzt noch das operationelle Risiko, welches infolge des Attentats am 11. September 2001 an Bedeutung zugenommen hat. Vergangene Modelle und Vorschriften, die als sicher galten, haben Schwächen gezeigt und Banken sind eingebrochen. Die Modelle sind als Reaktion auf Krisen entstanden. Das Problem bei der Vorbereitung auf Krisen ist, dass diese nur an modellhafte Annahmen gerichtet sind und die Realität in der Regel anders ist. Nur die Vergangenheit lehrt, was der Fehler war, wenn es zu einer Krise kam. Daher ist es schwierig einzuschätzen, wie hoch die Kapitalbindung in Krisensituation sein muss. Die derzeitigen Vorschriften des Eigenkapitals von Banken erzwingen eine höhere und strengere Eigenkapitalquote als zuvor. Das schränkt die Banken in ihrem Kreditgeschäft ein. Banken werden von der Bankaufsicht kontrolliert, ob Eigenkapitalvorschriften eingehalten werden. Seit der Finanzkrise 2008 gibt es eine Ratingpflicht, die jede Organisation bei der Kreditvergabe durchlaufen muss. Zusätzlich muss eine Verschuldungsobergrenze seitdem eingehalten we


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Product Details
  • ISBN-13: 9783346433602
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 38
  • Spine Width: 2 mm
  • Width: 148 mm
  • ISBN-10: 3346433609
  • Publisher Date: 28 Apr 2021
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 63 gr


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