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Konsequenzen der bankaufsichtlichen Rahmenkonzeption Basel IV für die Mittelstandsfinanzierung

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  • Andreas Horsch
  • Heinz Dreesen

Abstract

Für kleine und mittlere Unternehmen (KMU) zählt die Kreditfinanzierung durch Banken traditionell zu den wichtigsten Finanzierungsquellen. Regulierungsnormen, die sich unmittelbar auf das Aktivgeschäft der Banken richten, können deren Kreditvergabeverhalten verändern und in der Folge mittelbar wirksam für KMU werden. Ausgehend vom neuen Rahmenkonzept des Baseler Ausschusses stellt sich die Frage, inwieweit dieses die Attraktivität des mittelständischen Kreditgeschäfts aus Bankensicht und mithin die Finanzierungsmöglichkeiten für KMU verändert. / Traditionally, small and medium-sized enterprises (SMEs) to a large extent rely on bank lending. Regulation directed at investment policies of banks in general and their lending policies in particular will affect banks’ lending behavior and thus become relevant for SMEs. Referring to the recent regulatory framework of the Basel Committee, the question is in how far it will amend the attractiveness of SME loan business for the bank and hereupon the financing options of the former.

Suggested Citation

  • Andreas Horsch & Heinz Dreesen, 2019. "Konsequenzen der bankaufsichtlichen Rahmenkonzeption Basel IV für die Mittelstandsfinanzierung," ZfKE – Zeitschrift für KMU und Entrepreneurship, Duncker & Humblot, Berlin, vol. 67(3), pages 197-206.
    • Handle: RePEc:dah:aeqzfk:v67_y2019_i3_q3_p197-206
    DOI: 10.3790/zfke.67.3.197
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    References listed on IDEAS

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    1. Andreas Horsch & Helko Ueberschär, 2013. "Finanzierung von KMU durch Mikroanleihen," ZfKE – Zeitschrift für KMU und Entrepreneurship, Duncker & Humblot, Berlin, vol. 61(4), pages 315-331.
    2. Wolfgang Becker & Patrick Ulrich & Matthias Nolte, 2017. "Crowdlending als Alternative zum Bankkredit in KMU - eine theoretische und empirische Standortbestimmung," ZfKE – Zeitschrift für KMU und Entrepreneurship, Duncker & Humblot, Berlin, vol. 65(1-2), pages 93-100.
    3. Ben Naceur, S. & Marton, Katherin & Roulet, Caroline, 2018. "Basel III and bank-lending: Evidence from the United States and Europe," Journal of Financial Stability, Elsevier, vol. 39(C), pages 1-27.
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