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About the Book

Die Themen "mittelständische Unternehmensnachfolge" und "Rating" sind eng verwo- ben. Spätestens dann, wenn die Bank die Kreditkonditionen mit dem Verweis auf das Alter und die ungelöste Nachfolgefrage des Unternehmers dem aus ihrer Sicht gestiegenen Kreditausfallrisiko anpasst, lohnt es sich, die zu Grunde liegenden Zusammenhänge zu analysieren. Basel 11 motiviert Banken, die Kreditkonditionen der jeweiligen Risikoeinschätzung des Kreditnehmers anzupassen. Dabei bleibt die Bankenaufsicht nicht bei einer qualitativen Richtungsweisung. Vielmehr ist genau vorgeschrieben, mit wie viel Eigenkapital die Bank Kredite unterschiedlicher Risikoklassen jeweils hinterlegen muss. Darüber hinaus gibt Basel 11 Richtlinien zur Gestaltung bankinterner Ratingsysteme vor. Die systematische Erfassung und Auswertung von Faktoren wie etwa eine "vorhandene Notfallplanung" oder "vorhandene Nachfolgeplanung" sind die Konsequenz. Eine fehlende Nachfolgeplanung führt häufiger als vor Basel 11 zu deutlich schlechteren Kreditkonditionen bis hin zur Verweigerung von Krediten. Auch das gute persönliche Verhältnis zum Firmenkundenbetreuer kann hier nicht helfen. Mit Konkretisierung der Basel lI-Richtlinien durch die Banken und damit Systematisierung der Bewertung des Kreditrisikos, schwinden die Spielräume der Kundenbetreuer. Hier sehen wir einen Schwerpunkt des Herausgeberbandes - mit aktuellem Bezug und direkter Hilfestellung für den betroffenen Unternehmer. Das vorliegende Buch zeigt Innensichten zum bankinternen Rating. Die zu Grunde liegenden Vorschriften werden detailliert dargestellt und erklärt. Es wird aufgezeigt, wo sich Gestaltungsspielräume eröffnen und wie einzelne Kreditinstitute die Vorgaben umsetzen. An diese erklärenden Informationen schlie�en sich konkrete Hilfestellungen für den Unternehmer an. Dabei wird stets der Bezug zum Thema Nachfolge hergestellt und die Bedeutung der geregelten Nachfolgeplanung als Eingangsgrö�e des Ratings reflektiert.


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Product Details
  • ISBN-13: 9783322905222
  • Publisher: Gabler Verlag
  • Publisher Imprint: Gabler Verlag
  • Height: 240 mm
  • Weight: 0 gr
  • ISBN-10: 3322905225
  • Publisher Date: 16 Jan 2019
  • Binding: Paperback
  • Language: German
  • Width: 170 mm


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