Ma Nahmen Im Deutschen Mittelstand Zur Vorbereitung Auf Das Rating Durch Kreditinstitute Vor Dem Hintergrund Des Basel Ii Prozesses
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Ma Nahmen Im Deutschen Mittelstand Zur Vorbereitung Auf Das Rating Durch Kreditinstitute Vor Dem Hintergrund Des Basel Ii Prozesses
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Author : Björn Pereira
language : de
Publisher: diplom.de
Release Date : 2005-12-29
Ma Nahmen Im Deutschen Mittelstand Zur Vorbereitung Auf Das Rating Durch Kreditinstitute Vor Dem Hintergrund Des Basel Ii Prozesses written by Björn Pereira and has been published by diplom.de this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-12-29 with Business & Economics categories.
Inhaltsangabe:Einleitung: Welche Auswirkungen hat das bankeninterne Rating auf mittelständische Unternehmen? Wie ist der aktuelle Vorbereitungsstand im Mittelstand auf das Rating durch die Banken? Welche konkreten Maßnahmen werden im Hinblick auf das anstehende Rating getroffen bzw. welche Maßnahmen sind sinnvoll? Welche Alternativen zum Bankkredit gibt es für den Mittelstand? Auf alle diese Fragen versucht die vorliegende Diplomarbeit Antworten zu geben. Dabei wurde der Fokus der Arbeit bewusst auf den deutschen Mittelstand gelegt, da diese Unternehmensgruppe das Rückgrat der deutschen Wirtschaft bildet und voraussichtlich am stärksten von Basel II und den strukturellen Veränderungen im Bankensektor betroffen sein wird. So sieht sich bereits jetzt, noch vor der Umsetzung von Basel II, der Großteil des deutschen Mittelstandes einer zurückhaltenden Vergabe von Bankkrediten und einer steigenden Forderung nach einer höheren Eigenkapitalquote ausgesetzt. Als im Juni 1999 vom Baseler Ausschuss die neuen Basler Eigenkapitalvereinbarungen (Basel II) veröffentlicht wurden, war der Aufschrei in der deutschen Wirtschaft, besonders im Mittelstand, groß. Infolgedessen hatten Informationsveranstaltungen und Schulungen sowie die Veröffentlichungen von Büchern und Informationsbroschüren zum Thema Basel II Hochkonjunktur. Im Jahr 2005, knapp sechs Jahre später und ein Jahr vor der geplanten Umsetzung von Basel II, hat die Thematik im Mittelstand an Beachtung und Dynamik verloren. Die Auswirkungen auf den Mittelstand haben dagegen nichts an Brisanz und Dynamik eingebüßt. Denn die Kreditinstitute haben bereits damit begonnen, die Bonität der potenziellen Kreditnehmer mittels bankeninterner Ratingverfahren zu überprüfen und die Kreditentscheidung daran zu koppeln. Dies hat zur Folge, dass die meisten Kreditanträge mangels Bonität bereits jetzt abgelehnt werden, und die Betroffenen über die Hintergründe nur unzureichend informiert sind. Im Zuge der Umsetzung von Basel II wird das bankeninterne Rating zum Standardinstrument bei der Bonitätsermittlung. Jedes Unternehmen muss sich folglich bei einem Kreditantrag einem Rating unterziehen, so dass dieses zum kritischen Erfolgsfaktor für die Unternehmensfinanzierung wird. Daher sollte der Mittelstand das bankeninterne Rating nicht nur als zusätzliche Belastung betrachten, sondern vor allem, die damit verbundenen Chancen ergreifen und die Thematik proaktiv angehen. Denn das bankeninterne Rating kann die geeignete [...]
The Consequences Of The New Basel Capital Accord Basel Ii For Bank Lending To Corporate Borrowers
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Author : Katrin Sülberg
language : en
Publisher: diplom.de
Release Date : 2004-07-09
The Consequences Of The New Basel Capital Accord Basel Ii For Bank Lending To Corporate Borrowers written by Katrin Sülberg and has been published by diplom.de this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004-07-09 with Business & Economics categories.
Inhaltsangabe:Abstract: The central problem and resulting question of this thesis was: 'Will Basel II make credits in the Mittelstand more expensive?' In view of the previous analysis on possible capital requirements and changes in credit conditions for German small and medium-sized enterprises, the answer to this question can be adequately answered: On average, Basel II does not make credits in the Mittelstand more expensive. Basel II has an influence on the amount of regulatory capital the banks have to hold. The costs of this scarce factor are included in the risk premium which is part of the borrower s credit rent. Therefore, the credit rent would ceteris paribus be higher if capital requirements rose. However, it has been shown that for about 90% of German companies, capital requirements will even be lower in Basel II. This is because these companies will belong to the retail segment in Basel II where there is a reduction in regulatory capital (compared to the current 8%) up to a high probability of default between 7% and 8%, which would apply to a company in default or bankruptcy. Additionally, capital requirements for small and medium-sized enterprises can be further reduced due to the extended recognition of collaterals. Basel II has introduced types of collaterals that small and medium-sized companies are more often able to deliver, namely account receivables and real estate. It can therefore be concluded that a possible future increase in average credit rent levels for German small and medium-sized enterprises must have other reasons than the banks costs for regulatory capital. Zusammenfassung: Jede Wirtschaft beruht auf einem Kreditsystem, das heißt, auf der irrtümlichen Annahme, der andere werde gepumptes Geld zurückzahlen (Kurt Tucholsky, 1931) Kreditinstitute spielen eine besondere Rolle in modernen Volkswirtschaften. Sie sind nicht nur Mittler zwischen Kreditnehmern und Einlegern, sondern stellen darüber hinaus vielfältige nicht bilanzwirksame Finanzdienstleistungen zur Verfügung. Dabei ist der professionelle Umgang mit Kredit-, Markt-, Liquiditäts- und anderen Risiken eine der wichtigsten Leistungen von Finanzintermediären. Solche Risiken dürfen jedoch nicht zu Instabilitäten im Finanzsektor führen. Über die eigene Risikovorsorge der Institute hinaus wurden deshalb besondere Aufsichtsregeln für Kreditinstitute geschaffen, unter denen die Eigenkapitalregeln eine herausragende Rolle einnehmen. Im dynamischen und [...]
Viral Marketing
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Author : Karen Nelson-Field
language : en
Publisher: OUP Australia & New Zealand
Release Date : 2013-10-03
Viral Marketing written by Karen Nelson-Field and has been published by OUP Australia & New Zealand this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-03 with Business & Economics categories.
Using original research from more than 2 years of work, 5 different data sets, around 1000 videos, 9 individual studies and a large team of researchers from the Ehrenberg-Bass Institute for Marketing Science, Viral Marketing offers solid advice on the nebulous business of video sharing. Dr Nelson-Field reports new knowledge on sharing, memory and the influence of creative devices.
Behavioral Finance
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Author : Joachim Goldberg
language : de
Publisher: John Wiley & Sons
Release Date : 2001-03-30
Behavioral Finance written by Joachim Goldberg and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-03-30 with Business & Economics categories.
This fascinating book explains the new science of behavioral finance. It demonstrates clearly how behavior-orientated analysis of the financial markets can explain and account for fundamental principles in technical analysis. The book is divided into the following chapters, each offering practical analysis and advice; Forecasts, An analysis of exposure, Dams to combat the flood of information, Everything is relative, People like to see themselves in a favorable light, Everyone is different and Free advice - valuable tips for successful trades.
The Political Economy Of Financial Market Regulation
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Author : Peter Mooslechner
language : en
Publisher: Edward Elgar Publishing
Release Date : 2006-08-29
The Political Economy Of Financial Market Regulation written by Peter Mooslechner and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-08-29 with Business & Economics categories.
'In this very nice volume reputed academics and central bankers discuss recent regulatory reforms in financial governance from a political economy perspective. Therefore it is invaluable for both policymakers and scholars interested in financial governance and market regulation.' - Sylvester C.W. Eijffinger, Tilburg University, The Netherlands, Centre for Economic Policy Research, UK and CESifo Research Network, Munich, Germany This book focuses on recent financial market reforms, and their implications for social, economic and political exclusion. In particular it considers the hitherto under-researched question of whose interests govern the design of regulatory mechanisms and who influences the decision-making process. This process is set out as contested terrain, in which there are winners and losers, and in which there are inevitably circles of exclusion. The authors, comprising financial authority experts and academic specialists, expand the concept of exclusion beyond its typical social dimension to incorporate all actors, be they individuals or institutions not permitted to contribute to financial market regulation as a public good. As they point out, this may take the form of political, economic or indeed cultural exclusion. The book examines the conflicts that arise between various interests and how these are managed within the process of regulation.
New Zealand Firms
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Author :
language : en
Publisher:
Release Date : 2021
New Zealand Firms written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021 with Business enterprises categories.
Island Rivers
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Author : John R. Wagner
language : en
Publisher: ANU Press
Release Date : 2018-06-19
Island Rivers written by John R. Wagner and has been published by ANU Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-06-19 with Social Science categories.
Anthropologists have written a great deal about the coastal adaptations and seafaring traditions of Pacific Islanders, but have had much less to say about the significance of rivers for Pacific island culture, livelihood and identity. The authors of this collection seek to fill that gap in the ethnographic record by drawing attention to the deep historical attachments of island communities to rivers, and the ways in which those attachments are changing in response to various forms of economic development and social change. In addition to making a unique contribution to Pacific island ethnography, the authors of this volume speak to a global set of issues of immense importance to a world in which water scarcity, conflict, pollution and the degradation of riparian environments afflict growing numbers of people. Several authors take a political ecology approach to their topic, but the emphasis here is less on hydro-politics than on the cultural meaning of rivers to the communities we describe. How has the cultural significance of rivers shifted as a result of colonisation, development and nation-building? How do people whose identities are fundamentally rooted in their relationship to a particular river renegotiate that relationship when the river is dammed to generate hydro-power or polluted by mining activities? How do blockages in the flow of rivers and underground springs interrupt the intergenerational transmission of local ecological knowledge and hence the ability of local communities to construct collective identities rooted in a sense of place?
Strategic Human Resource Development
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Author : Matthias T. Meifert
language : en
Publisher: Springer Science & Business Media
Release Date : 2014-01-20
Strategic Human Resource Development written by Matthias T. Meifert and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-01-20 with Business & Economics categories.
In an era that has brought new and unexpected challenges for virtually every company, one would be hard-pressed to find any responsible manager who is not thinking about what the future will bring. In the wake of these challenges, strategic planning has moved from being the reserve of large corporations to becoming an essential need for even small and medium-sized enterprises. But what good is even the most convincing strategic concept if the company’s people are unwilling or unable to put it into practice? The key is to develop people, and to develop them not only for the work of today, but also for the challenges that the future holds. Strategic HR development has become a decisive force for the success of any business. This book, edited by Matthias T. Meifert, shows us which basic considerations we need to remember and what strategic HR development means in practice. Its interesting and vivid approach takes the reader on a tour of the eight stages of HR development, introduces the critical factors, and highlights many practical recommendations for strategic HR development practice in business.
Delivering Training Workshops
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Author : Janis Fisher Chan
language : en
Publisher: John Wiley & Sons
Release Date : 2009-12-30
Delivering Training Workshops written by Janis Fisher Chan and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-12-30 with Business & Economics categories.
PFEIFFER ESSENTIAL GUIDES TO TRAINING BASICS Delivering Training Workshops is filled with practical information, best practices, and proven strategies. This book will help trainers, no matter what their level of experience, prepare and deliver effective workshops that achieve results for both individuals and their organizations while meeting the challenges of today's fast-paced, rapidly changing learning environment. It covers a wide range of topics, including: Planning and scheduling a workshop Methods for preparing workshop participants to learn Tips to help trainers increase their confidence Keep participants engaged and involved How to present information clearly, respond to questions, and manage the group Tools for measuring workshop success Methods for conducting virtual workshops The Pfeiffer Essential Guides to Training Basics is a three-volume series—Training Fundamentals, Designing and Developing Training Programs, and Delivering Training Workshops—that offers new and experienced trainers a wealth of ideas, information, tips, tools, and techniques. Praise for Delivering Training Workshops "Here's a terrific guide....to make sure you successfully teach others what you know." —Barbara Nelson, principal of Nelson Communications "Janis Chan guides you step-by-step through the process of planning and delivering training that engages participants and helps them learn, sharing her vast store of practical tips and techniques." —Sue Funkhouser, facilitator and organization development consultant, Pinwheel Performance "A learning tool....to increase your confidence and deliver training that achieves results." —Natasha Terk, President, Write It Well
Comparative Corporate Governance
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Author : Klaus J. Hopt
language : en
Publisher: Oxford University Press
Release Date : 1998
Comparative Corporate Governance written by Klaus J. Hopt and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Business & Economics categories.
"This book goes back to a symposium held at the Max Planck Institute for Foreign Private and Private International Law in Hamburg on May 15-17 1997"--P. [v].