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Kreditvergabeprozess der Banken unter Berücksichtigung der Veränderungen durch Basel II: Auswirkungen auf mittelständische Unternehmen

Kreditvergabeprozess der Banken unter Berücksichtigung der Veränderungen durch Basel II: Auswirkungen auf mittelständische Unternehmen

          
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About the Book

Inhaltsangabe: Einleitung: Der weltweite Finanzmarkt befindet sich in einer Phase des Wandels. Aufgrund der engen Verflechtung des Bankensektors mit der übrigen Volkswirtschaft entstehen daher heftige Diskussionen um mögliche Konsequenzen und Auswirkungen auf die Gesamtwirtschaft. Hauptbestandteil der Debatten ist die neue Basler Eigenkapitalvereinbarung (Basel II), mit der eine grundlegende Veränderung der Kreditvergabepraxis der Banken kurz vor ihrer Vollendung steht. Die Umsetzung in nationales Recht der EU-Mitgliedsstaaten ist bis spätestens 2007 geplant. Die Umstellungsphasen auf die veränderten Rahmenbedingungen in den Banken greifen schon jetzt. Das zeigt die hohe Aktualität des Themas und die Notwendigkeit für Unternehmen, sich mit den neuen Gegebenheiten auseinander zu setzen. Die bisherigen Regelungen (Basel I), die auf einer pauschalen Eigenkapitalunterlegung der Banken für Kredite an Unternehmen basierten, werden in Zukunft durch bonitätsorientierte Eigenkapital-Unterlegungspflichten ersetzt. Das bedeutet konkret, dass sich durch Basel II die bisherigen Kreditzinsstrukturen verändern werden. Viele insbesondere mittelständische Unternehmen befürchten, dass in Zukunft die Kreditzinsen steigen werden, was sich negativ auf die Ertragssituation auswirken würde. Wenn dies der Fall wäre, lassen sich vor dem Hintergrund der großen Bedeutung des deutschen Mittelstandes für die Gesamtwirtschaft leicht negative Szenarien für die gesamte Wohlfahrt in Deutschland ausmalen. Ob damit zu rechnen ist, wird eine der Kernfragen dieser Arbeit sein. Es wird untersucht, inwiefern sich Basel II induzierte Veränderungen auf die Finanzsituation mittelständischer Unternehmen auswirken und welche Konsequenzen damit verbunden wären. Inhaltsverzeichnis: Inhaltsverzeichnis: DeckblattI Gutachten zur DiplomarbeitII InhaltsverzeichnisIV AbbildungsverzeichnisVI TabellenverzeichnisVII 1.Einleitung1 2.Struktur der Arbeit2 3.Basel I: Pauschale Eigenkapitalunterlegung4 3.1URS


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Product Details
  • ISBN-13: 9783838677705
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 6 mm
  • Weight: 149 gr
  • ISBN-10: 3838677706
  • Publisher Date: 02 Mar 2004
  • Height: 210 mm
  • No of Pages: 106
  • Series Title: German
  • Sub Title: Auswirkungen auf mittelständische Unternehmen
  • Width: 148 mm


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Kreditvergabeprozess der Banken unter Berücksichtigung der Veränderungen durch Basel II: Auswirkungen auf mittelständische Unternehmen
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Kreditvergabeprozess der Banken unter Berücksichtigung der Veränderungen durch Basel II: Auswirkungen auf mittelständische Unternehmen
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