Consequences of basel II for small and mid-sized enterprises
- Art: Studienarbeit
- Autor: Björn Schlüter, Sylvia Albers, Armin Krenzer, Karl Filsinger, Lea-Maria Hohmann, Gregor Scharf
- Abgabedatum: Juni 2002
- Umfang: 61 Seiten
- Dateigröße: 641,5 KB
- Note: 1,3
- Institution / Hochschule: Hogeschool Zeeland Niederlande
- ISBN (eBook): 978-3-8324-5558-3
-
ISBN (Paperback) :
978-3-8324-5558-3 P - ISBN (CD) :978-3-8324-5558-3 CD
- Sprache: Englisch
- Prämierung:
- Arbeit zitieren: Björn Schlüter, Sylvia Albers, Armin Krenzer, Karl Filsinger, Lea-Maria Hohmann, Gregor Scharf Juni 2002: Consequences of basel II for small and mid-sized enterprises, Hamburg: Diplomica Verlag
- Schlagworte: SMEs, Kreditwesen, Rating, Basel II Accord
In den Warenkorb
68,00 €
Studienarbeit von Björn Schlüter, Sylvia Albers, Armin Krenzer, Karl Filsinger, Lea-Maria Hohmann, Gregor Scharf
Abstract:
At present, rating is the number-one-topic discussed, both within the banking community and also, even more frequently, at enterprises. The second consultative package of the Basel Committee for Banking Supervision provides a basic change in equity capital contribution of banks. It is expected to change the rules of the credit business with institutional customers considerably. As a result, especially small and mid-sized enterprises are forced to enhance their credit standing in order not to struggle with the serious consequences of Basel II. This case study shows how!
Table of Contents:
| 1. | INTRODUCTION | 4 |
| 1.1 | Overview | 4 |
| 1.2 | Definition of the new Basel Capital Accord | 4 |
| 1.3 | Targets | 5 |
| 1.4 | Structure | 5 |
| 2. | BASICS | 6 |
| 2.1 | Small and mid-sized Enterprises (SMEs) | 6 |
| 2.1.1 | Definition of SMEs | 6 |
| 2.1.2 | EconomicSituation andImportance ofSMEs | 7 |
| 2.2 | Rating | 7 |
| 2.2.1 | Credit ratings | 7 |
| 2.2.2 | External ratings by rating agencies | 8 |
| 2.2.3 | Bank-internal ratings | 9 |
| 2.2.4 | Function of credit ratings | 10 |
| 2.2.5 | Rating procedure and structure | 12 |
| 2.2.6 | Rating as an opportunity to prepare for Basel II | 16 |
| 3. | BASEL II - THE NEW BASELCAPITAL ACCORD | 18 |
| 3.1 | The Basel Committee of Banking Supervision | 18 |
| 3.2 | The way from Basel I to Basel II | 18 |
| 3.3 | Overview of the new Capital Approach | 19 |
| 3.3.1 | The first Pillar: Minimum Capital Requirements | 19 |
| 3.3.1.1 | In context of granting credits to small and mid-sized companies | 23 |
| 3.3.1.2 | Possibilities of asset securitisation | 26 |
| 3.3.2 | The second Pillar: Supervisory Review Process | 27 |
| 3.3.3 | The third Pillar: Market Discipline | 27 |
| 4. | THE CONSEQUENCES OF BASEL'S RESOLUTIONS | 29 |
| 4.1 | Current financial requirements of the small to medium-sized business sector | 29 |
| 4.2 | Internal vs. external rating of SMEs | 31 |
| 4.3 | Actual preparation status of SMEs | 35 |
| 4.4 | Rating under aspects of Investor Relations | 42 |
| 4.5 | Alternative financing possibilities for SMEs | 44 |
| 4.5.1 | Effects on banks | 45 |
| 4.5.2 | Effects on interest rates for SMEs | 46 |
| 4.6 | Possibilities for SMEs to prepare for Basel II | 48 |
| 4.6.1 | Implementation of a value-based management | 50 |
| 5. | CONCLUSION | 55 |
| 6. | APPENDIX | 57 |
| 6.1 | Index of Abbreviations | 57 |
| 6.2 | Index of Literature | 58 |
In den Warenkorb
68,00 €
Link zur Arbeit:
http://www.diplom.de/ean/9783832455583
Arbeit zitieren:
Björn Schlüter, Sylvia Albers, Armin Krenzer, Karl Filsinger, Lea-Maria Hohmann, Gregor Scharf Juni 2002: Consequences of basel II for small and mid-sized enterprises, Hamburg: Diplomica Verlag
Schlagworte:
SMEs, Kreditwesen, Rating, Basel II Accord
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