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Basel II

Basel II


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About the Book

Inhaltsangabe: Problemstellung: Seit Veröffentlichung der ersten Baseler Eigenkapitalvorschläge 1999 ist das Stichwort Basel II in der Wirtschaftspresse ein Dauerbrenner. Auch die Nachrichten zum Thema Rating im Zusammenhang mit Basel II, verbreiteten sich nicht nur im Finanzsektor, sondern vor allem unter den Unternehmen wie ein Lauffeuer. Informationsveranstaltungen, -broschüren, Zeitungsartikel, Zeitschriftenbeiträge usw., die sich mit der Erneuerung befassen, nahmen deutlich zu. Der Grund dafür, dass diese Thematik so große Aufmerksamkeit genießt, sind die vom Baseler Ausschuss für Bankenaufsicht vorgeschlagenen und im Juni 2004 verabschiedeten Modifikationen der Eigenkapitalstandards. Jedes Kreditinstitut muss bei der Vergabe eines Kredites einen bestimmten Betrag an Eigenkapital „unterlegen" bzw. bereithalten (Eigenkapitalunterlegung), damit bei Kreditausfällen ihre Existenz nicht gefährdet ist. Während zur Zeit jede Bank pauschal 8% des jeweiligen Kreditvolumens als Eigenkapital zu unterlegen hat, müssen Kreditinstitute nach der neuen Regelung für risikobehaftetere Firmenkredite mehr Eigenkapital vorhalten als für risikoärmere. Dabei wird, und das ist das neuartige daran, das Rating eines Kreditnehmers zukünftig das wesentliche Kriterium zur Bestimmung seiner Bonität und damit zur Bestimmung der Eigenkapitalunterlegung der Kreditinstitute sein. Die Folge ist, dass zukünftig die anhand des Ratings ermittelte Bonität des Unternehmens maßgeblich für die Kreditvergabe und insbesondere für die Zinskonditionen sein wird. Auf Grund der Tatsache, dass die Fremdfinanzierung durch Bankkredite gerade für mittelständische Unternehmen die zentrale Form der Mittelbeschaffung darstellt, müssen sich diese unbedingt mit dem Thema Rating und den damit verbundenen Anforderungen der Banken auseinandersetzen. Schließlich wird das Ergebnis des Ratings für viele kleine und mittlere Unternehmen (KMU) Existenz bestimmend sein, denn die Banken werden gezwungen sein, Geschäftsverbind


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Product Details
  • ISBN-13: 9783838687254
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 7 mm
  • Weight: 222 gr
  • ISBN-10: 3838687256
  • Publisher Date: 02 May 2005
  • Height: 210 mm
  • No of Pages: 124
  • Series Title: German
  • Sub Title: Kennzeichnung und Beurteilung der Ratinganforderungen an KMU unter Berücksichtigung ausgewählter Kreditinstitute
  • Width: 148 mm


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