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Unternehmerische Gestaltungsmöglichkeiten im Kreditvergabeprozess der Banken unter besonderer Berücksichtigung des Kreditratings nach Basel 2

Unternehmerische Gestaltungsmöglichkeiten im Kreditvergabeprozess der Banken unter besonderer Berücksichtigung des Kreditratings nach Basel 2

          
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About the Book

Inhaltsangabe: Einleitung: Kaum ein bankaufsichtliches Projekt zuvor hat in der mittelständischen Wirtschaft soviel Aufsehen erregt wie das Baseler Konsultationspapier zur Neuregelung bankenrechtlicher Eigenkapitalanforderungen (Basel II) und es gibt wohl auch kein Thema, das bei Unternehmen so große Befürchtungen über einen drohenden Kreditnotstand ausgelöst hat. Grund genug, in dieser Arbeit den Kreditvergabeprozess der Banken einmal näher zu betrachten, die Auswirkungen der neuen Regelungen auf die Mittelstandsfinanzierung zu untersuchen und Gestaltungsmöglichkeiten für Unternehmen zu entwickeln, mit deren Hilfe es gelingt, auch nach dem Inkrafttreten von Basel II noch Kredite zu günstigen Konditionen auszuhandeln. Dazu soll zunächst der aktuelle Kreditvergabeprozess dargestellt und unternehmerische Gestaltungsmöglichkeiten zur Erzielung günstiger Kreditkonditionen aus heutiger Sicht aufgezeigt werden. Außerdem werden die Elemente der Neuen Baseler Eigenkapitalvereinbarung kurz erläutert und untersucht, ob und ggf. wie sie sich auf die Mittelstandsfinanzierung auswirken können. Da die für kreditsuchende Unternehmen wesentlichste Neuregelung die Einführung von Kreditratings ist, von denen künftig die Frage abhängt, ob und zu welchen Konditionen Kredite an Unternehmen vergeben werden, richtet sich der Schwerpunkt dieser Arbeit auf die Entwicklung unternehmerischer Gestaltungsmöglichkeiten hinsichtlich dieser neuen Ratingverfahren. Dabei wird ein Handlungskatalog entworfen, mit dessen Hilfe mittelständische Unternehmer die Teilbereiche ihrer Unternehmungen gezielt auf das Rating vorbereiten können, so dass sie dem Rating gelassen entgegenblicken können. Die Arbeit richtet sich aber auch an solche Unternehmen, die aufgrund alternativer Finanzierungsmöglichkeiten mittelfristig zwar nicht geratet werden müssen, aber dennoch an den hier vorgestellten Management- und Analyseverfahren interessiert sein dürften. Mit ihnen gelangt der Unternehmer zu einem fundierten Einb


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Product Details
  • ISBN-13: 9783838648668
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 8 mm
  • Width: 148 mm
  • ISBN-10: 3838648668
  • Publisher Date: 27 Dec 2001
  • Height: 210 mm
  • No of Pages: 136
  • Series Title: German
  • Weight: 190 gr


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Unternehmerische Gestaltungsmöglichkeiten im Kreditvergabeprozess der Banken unter besonderer Berücksichtigung des Kreditratings nach Basel 2
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