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Rating als Strategie- und Risikoberatung für kleine und mittlere Unternehmen

Author

Listed:
  • Ulrich Blum
  • Frank Leibbrand

Abstract

Aufgrund der durch Basel II veränderten Kreditvergabepraxis werden sich die Kreditkonditionen in erheblichem Maße stärker spreizen. Da insbesondere der Mittelstand diese Problematik nicht hinreichend erkannt hat, setzt in Sachsen eine Mittelstandsoffensive mit dem Ziel der Strategie- und Risikoberatung (Rating Advisory) zur Beschäftigungssicherung ein. In diesem Beitrag wird das verwendete Ratingverfahren vorgestellt. Einzigartig sind hierbei die explizite Berücksichtigung der Risiken und die Bestimmung der Ausfallwahrscheinlichkeit mittels einer stochastischen Unternehmensplanung.

Suggested Citation

  • Ulrich Blum & Frank Leibbrand, 2003. "Rating als Strategie- und Risikoberatung für kleine und mittlere Unternehmen," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 10(03), pages .26-36, June.
    • Handle: RePEc:ces:ifodre:v:10:y:2003:i:03:p:s.26-36
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    File URL: https://www.ifo.de/DocDL/ifodb_2003_3_26-36.pdf
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    Cited by:

    1. Blum, Ulrich & Gleißner, Werner & Leibbrand, Frank, 2005. "Stochastische Unternehmensmodelle als Kern innovativer Ratingsysteme," IWH Discussion Papers 6/2005, Halle Institute for Economic Research (IWH).

    More about this item

    Keywords

    Kreditwürdigkeit; Kreditrisiko; Klein- und Mittelunternehmen; Eigenkapitalvorschriften; Deutschland;
    All these keywords.

    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • L00 - Industrial Organization - - General - - - General

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