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Chancen Der Implementierung Bankinterner Kreditratingsysteme

Chancen Der Implementierung Bankinterner Kreditratingsysteme


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About the Book

Diplomarbeit aus dem Jahr 2001 im Fachbereich BWL - Investition und Finanzierung, Note: 1,35, Bankakademie Frankfurt e.V. (Betriebswirtschaft), Sprache: Deutsch, Abstract: Inhaltsangabe: Einleitung: Durch die zunehmende Globalisierung der Markte, Wettbewerbsdruck und Margenverengung werden Kreditinstitute vor immer neue Anforderungen gestellt. Eine schnelle und fundierte Investitions- oder Finanzierungsentscheidung ist in diesem Zusammenhang fur die erfolgreiche Geschaftstatigkeit eines Kreditinstitutes massgeblich. Die Informationsbeschaffung und -auswertung zur Bonitatsbeurteilung des Kreditnehmers und damit dessen Ertrags- und Risikoeinschatzung nimmt hierbei im Kreditgeschaft eine zentrale Rolle ein. Wahrend in den USA uberwiegend Bewertungsergebnisse externer Ratingagenturen fur Investitions- und Finanzierungsentscheidungen herangezogen werden, nutzen deutsche Kreditinstitute bisher nahezu ausschliesslich interne Ratingverfahren zur Informationsanalyse und Beurteilung der Kreditnehmer. Im Hinblick auf die neue Eigenkapitalrichtlinie der Baseler Konsultationspapiere (Basel II) kommt dem internen Rating jedoch zukunftig eine wachsende Bedeutung zu. Die im Rahmen dieser Diplomarbeit durchgefuhrte empirische Untersuchung soll Aufschluss daruber geben, in welcher Art und in welchem Umfang Kreditinstitute interne Ratingsysteme bereits heute nutzen und in welchem Stadium des Aufbaus sich diese Systeme befinden. Weiterhin wird die Einschatzung der Banken zu Basel II hinterfragt. Um ein moglichst aussagekraftiges und objektives Ergebnis zu erhalten, konzentriert sich die Untersuchung ausschliesslich auf in Deutschland niedergelassene Kreditinstitute, entsprechend ihrer tatsachlichen Marktprasens. Ziel dieser Diplomarbeit ist es, die Inhalte des internen Kreditrating naher zu erortern und im Vergleich mit dem externen Rating Unterschiede sowie Vor- und Nachteile beider Verfahren kritisch zu beleuchten. Des weiteren sollen die wesentlichen Inhalte von Basel II dargestellt"


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Product Details
  • ISBN-13: 9783838648064
  • Publisher: Diplom.de
  • Publisher Imprint: Diplom.de
  • Height: 210 mm
  • No of Pages: 72
  • Spine Width: 4 mm
  • Width: 148 mm
  • ISBN-10: 3838648064
  • Publisher Date: 03 Dec 2001
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 104 gr


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