IDEAS home Printed from https://ideas.repec.org/a/bit/bsrysr/v8y2017i1p124-132n10.html
   My bibliography  Save this article

New Banks’ Business – Rating Competence for the Real Sector

Author

Listed:
  • Meeh-Bunse Gunther

    (University of Applied Science Osnabrueck, Faculty of Management, Culture and Technology (Lingen Campus), Osnabrueck, Germany)

  • Hermeling Anke

    (Hermeling University of Applied Science Osnabrueck, Faculty of Management, Culture and Technology (Lingen Campus), Osnabrueck, Germany)

Abstract

Background: The global financial crisis has revealed the urgency of changes in the business models of banks around the world. Due to rising regulatory costs and the effects of the low-interest rate phase, the revenue of banking sector is under pressure. Banks have to generate new sources of revenue. A conceivable externalization of bank internal rating data is appropriate. This available knowledge has a potential to generate new business potentials. Objectives: The goal of this paper is to compare the procurement of internal ratings by credit institutions and the supplier evaluation, particularly regarding the assessment of their financial capacity, as well as the identification of potential interfaces. Methods/Approach: The methods used in the research included an example-oriented presentation and an analysis of indicator systems aimed at assessing the financial soundness within the internal rating by credit institutions and the supplier evaluation. Results: Results show the intersections between the two evaluation systems. Conclusions: Despite the determination of evaluation results by their objective function, apparently significant trends of financial (dis)soundness can be recognized as a part of the two evaluating systems. This result provides starting points to initiate the discussion about a possible (partial) externalisation of internal ratings by credit institutions to be used for the supplier evaluation.

Suggested Citation

  • Meeh-Bunse Gunther & Hermeling Anke, 2017. "New Banks’ Business – Rating Competence for the Real Sector," Business Systems Research, Sciendo, vol. 8(1), pages 124-132, March.
    • Handle: RePEc:bit:bsrysr:v:8:y:2017:i:1:p:124-132:n:10
    DOI: 10.1515/bsrj-2017-0010
    as

    Download full text from publisher

    File URL: https://doi.org/10.1515/bsrj-2017-0010
    Download Restriction: no
    File URL: https://libkey.io/10.1515/bsrj-2017-0010?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Zdenek Kudrna, 2012. "Cross‐Border Resolution of Failed Banks in the European Union after the Crisis: Business as Usual," Journal of Common Market Studies, Wiley Blackwell, vol. 50(2), pages 283-299, March.
    2. Weber, Charles A. & Current, John R. & Benton, W. C., 1991. "Vendor selection criteria and methods," European Journal of Operational Research, Elsevier, vol. 50(1), pages 2-18, January.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Araz, Ceyhun & Ozkarahan, Irem, 2007. "Supplier evaluation and management system for strategic sourcing based on a new multicriteria sorting procedure," International Journal of Production Economics, Elsevier, vol. 106(2), pages 585-606, April.
    2. Liao, Zhiying & Rittscher, Jens, 2007. "A multi-objective supplier selection model under stochastic demand conditions," International Journal of Production Economics, Elsevier, vol. 105(1), pages 150-159, January.
    3. Nassimbeni, Guido, 1996. "Factors underlying operational JIT purchasing practices: Results of an empirical research," International Journal of Production Economics, Elsevier, vol. 42(3), pages 275-288, April.
    4. Alptekin Ulutaş & Ayşe Topal & Dragan Pamučar & Željko Stević & Darjan Karabašević & Gabrijela Popović, 2022. "A New Integrated Multi-Criteria Decision-Making Model for Sustainable Supplier Selection Based on a Novel Grey WISP and Grey BWM Methods," Sustainability, MDPI, vol. 14(24), pages 1-20, December.
    5. Eric Sucky, 2006. "Kontraktlogistik—Ein stochastisch dynamischer Planungsansatz zur Logistikdienstleisterauswahl," Metrika: International Journal for Theoretical and Applied Statistics, Springer, vol. 17(2), pages 131-153, June.
    6. Talluri, Srinivas & Narasimhan, Ram, 2004. "A methodology for strategic sourcing," European Journal of Operational Research, Elsevier, vol. 154(1), pages 236-250, April.
    7. Pishchulov, Grigory & Trautrims, Alexander & Chesney, Thomas & Gold, Stefan & Schwab, Leila, 2019. "The Voting Analytic Hierarchy Process revisited: A revised method with application to sustainable supplier selection," International Journal of Production Economics, Elsevier, vol. 211(C), pages 166-179.
    8. Yang, Hui & Chen, Jing & Chen, Xu & Chen, Bintong, 2017. "The impact of customer returns in a supply chain with a common retailer," European Journal of Operational Research, Elsevier, vol. 256(1), pages 139-150.
    9. Ventura, José A. & Bunn, Kevin A. & Venegas, Bárbara B. & Duan, Lisha, 2021. "A coordination mechanism for supplier selection and order quantity allocation with price-sensitive demand and finite production rates," International Journal of Production Economics, Elsevier, vol. 233(C).
    10. Chen, Lisa Y. & Wang, Tien-Chin, 2009. "Optimizing partners' choice in IS/IT outsourcing projects: The strategic decision of fuzzy VIKOR," International Journal of Production Economics, Elsevier, vol. 120(1), pages 233-242, July.
    11. Cakravastia, Andi & Toha, Isa S. & Nakamura, Nobuto, 2002. "A two-stage model for the design of supply chain networks," International Journal of Production Economics, Elsevier, vol. 80(3), pages 231-248, December.
    12. Min-Yuan Cheng & Shu-Hua Yeh & Woei-Chyi Chang, 2020. "Multi-Criteria Decision Making of Contractor Selection in Mass Rapid Transit Station Development Using Bayesian Fuzzy Prospect Model," Sustainability, MDPI, vol. 12(11), pages 1-32, June.
    13. Ching-Ter Chang & Huang-Mu Chen & Zheng-Yun Zhuang, 2014. "Integrated multi-choice goal programming and multi-segment goal programming for supplier selection considering imperfect-quality and price-quantity discounts in a multiple sourcing environment," International Journal of Systems Science, Taylor & Francis Journals, vol. 45(5), pages 1101-1111, May.
    14. Amid, A. & Ghodsypour, S.H. & O'Brien, C., 2011. "A weighted max-min model for fuzzy multi-objective supplier selection in a supply chain," International Journal of Production Economics, Elsevier, vol. 131(1), pages 139-145, May.
    15. Erenguc, S. Selcuk & Simpson, N. C. & Vakharia, Asoo J., 1999. "Integrated production/distribution planning in supply chains: An invited review," European Journal of Operational Research, Elsevier, vol. 115(2), pages 219-236, June.
    16. Syed Abou Iltaf Hussain & Debasish Baruah & Bapi Dutta & Uttam Kumar Mandal & Sankar Prasad Mondal & Thuleswar Nath, 2019. "Evaluating the impact of service quality on the dynamics of customer satisfaction in the telecommunication industry of Jorhat, Assam," Telecommunication Systems: Modelling, Analysis, Design and Management, Springer, vol. 71(1), pages 31-53, May.
    17. Preetam Basu & Soumita Ghosh & Milan Kumar, 2019. "Supplier ratings and dynamic sourcing strategies to mitigate supply disruption risks," DECISION: Official Journal of the Indian Institute of Management Calcutta, Springer;Indian Institute of Management Calcutta, vol. 46(1), pages 41-57, March.
    18. Z. Degraeve & Eva Labro & F. Roodhooft, 2005. "Constructing a Total Cost of Ownership supplier selection methodology based on Activity-Based Costing and mathematical programming," Accounting and Business Research, Taylor & Francis Journals, vol. 35(1), pages 3-27.
    19. Dobos, Imre & Vörösmarty, Gyöngyi, 2014. "Green supplier selection and evaluation using DEA-type composite indicators," International Journal of Production Economics, Elsevier, vol. 157(C), pages 273-278.
    20. Ana Carolina Garriga, 2017. "Regulatory lags, liberalization, and vulnerability to banking crises," Regulation & Governance, John Wiley & Sons, vol. 11(2), pages 143-165, June.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bit:bsrysr:v:8:y:2017:i:1:p:124-132:n:10. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Peter Golla (email available below). General contact details of provider: https://www.sciendo.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.