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Rating als Strategie- und Risikoberatung für kleine und mittlere Unternehmen


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  • Ulrich Blum
  • Frank Leibbrand


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.

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Bibliographic Info

Article provided by Ifo Institute for Economic Research at the University of Munich in its journal ifo Dresden berichtet.

Volume (Year): 10 (2003)
Issue (Month): 03 (06)
Pages: 26-36

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Handle: RePEc:ces:ifodre:v:10:y:2003:i:03:p:26-36

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Keywords: Kreditwürdigkeit; Kreditrisiko; Klein- und Mittelunternehmen; Eigenkapitalvorschriften; Deutschland;

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


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