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Auswirkungen des Basel II Akkords auf österreichisches KMU

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  • Heimer, Thomas
  • Köhler, Thomas

Abstract

The paper discusses the impact of the Basel II Accord on the financing of small and medium size enterprises (SME) in Austria. Although the Basel II Accord has not been established yet, the study tries to evaluate the expected impact of the Basel II Accord on SMEs, on the bases of the current financial data of SMEs. The empirical work used the NACE datapool for Austrian SME provided by KMU Forschung Austria. In the datapool, SMEs are defined as companies with a turnover of up to € 100 Mio. In addition to the statistical analysis an empirical data survey has been conducted by Triconsult. The survey focused on the expected impact of the Basel II Accord on SMEs by intermediaries (f.i. consultancies and technology transfer agencies). The results of the study show that most SME and intermediaries are not prepared for the new regulations initiated by Basel II. Accordingly three measures should be taken by policy makers to enhance SMEs capability to adjust to the new requests established by the Basel II Accord: 1. Extension of the information for SMEs on the impact of the Basel II Accord. 2. Companies should be motivated to enlarge indicators that give banks information about their financial development. 3. Measures are required to improve the financial structure of SMEs in Austria.

Suggested Citation

  • Heimer, Thomas & Köhler, Thomas, 2004. "Auswirkungen des Basel II Akkords auf österreichisches KMU," Frankfurt School - Working Paper Series 58, Frankfurt School of Finance and Management.
    • Handle: RePEc:zbw:fsfmwp:58
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    References listed on IDEAS

    as
    1. Alexander Tscherteu, 2003. "The Third Quantitative Impact Study (Basel II)," Financial Stability Report, Oesterreichische Nationalbank (Austrian Central Bank), issue 6, pages 74-85.
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      More about this item

      Keywords

      Basel II Accord; Innovation; Finance of Innovation;
      All these keywords.

      JEL classification:

      • G10 - Financial Economics - - General Financial Markets - - - General (includes Measurement and Data)
      • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
      • G38 - Financial Economics - - Corporate Finance and Governance - - - Government Policy and Regulation

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