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Mittelstand und Basel II : welche Unterstützung braucht der sächsische Mittelstand?

Author

Listed:
  • Ulrich Blum
  • Frank Leibbrand

Abstract

Aufgrund der durch Basel II veränderten Kreditvergabepraxis werden sich die Kreditkonditionen in erheblichem Maße stärker spreizen. "Schlechte" Unternehmen müssen im Vergleich zu "guten" Unternehmen mit hohen Kreditzinsen rechnen. Die stärkere Spreizung ist in erster Linie auf die verbesserte Basis der Banken für die Einschätzung der Kreditrisiken des einzelnen Unternehmens über ein ausgefeiltes Ratingsystem zurückzuführen. Insbesondere der Mittelstand hat diese Problematik nicht hinreichend erkannt. In diesem Beitrag wird die Notwendigkeit eines wirtschaftspolitischen Eingreifens gezeigt, um negative Beschäftigungseffekte zu vermeiden.

Suggested Citation

  • Ulrich Blum & Frank Leibbrand, 2003. "Mittelstand und Basel II : welche Unterstützung braucht der sächsische Mittelstand?," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 10(02), pages 17-28, June.
    • Handle: RePEc:ces:ifodre:v:10:y:2003:i:02:p:17-28
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    File URL: https://www.ifo.de/DocDL/ifodb_2003_2_17-28.pdf
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    References listed on IDEAS

    as
    1. Detken, Annette & Ott-Laubach, Petra, 2002. "Die Entwicklung der Kreditneuzusagen," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1949 - 2007), ZBW - Leibniz Information Centre for Economics, vol. 82(10), pages 618-625.
    2. Mojon, Benoît, 2000. "Financial structure and the interest rate channel of ECB monetary policy," Working Paper Series 40, European Central Bank.
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    1. Wolfgang Gerstenberger & Beate Henschel & Herbert Hofmann & Carsten Pohl & Heinz Schmalholz & Carola Boede & Michaela Fuchs & Martin Werding, 2004. "Auswirkungen der EU-Osterweiterung auf Wirtschaft und Arbeitsmarkt in Sachsen," ifo Dresden Studien, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 35.

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    More about this item

    Keywords

    Kreditgeschäft; Mittelstand; Kreditwürdigkeit; Unternehmen; Sachsen;
    All these keywords.

    JEL classification:

    • E52 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Monetary Policy
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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