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Auswirkungen risikoadjustierter Eigenkapitalanforderungen auf die Kreditvergabe deutscher Banken

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  • Grunert, Jens
  • Strobel, Daniel
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    Abstract

    Nach Ablösung der bis Ende 2006 geltenden pauschalen Regelungen zur Berechnung des aufsichtsrechtlichen Eigenkapitals wird häufig über die Auswirkungen des neuen risikoadjustierten Regelwerks diskutiert, wobei nur wenig empirische Erkenntnisse vorliegen. Der vorliegende Aufsatz soll helfen, diese Lücke mittels einer Umfrage unter Bankpraktikern zu schließen und Aufschluss über eine mögliche veränderte Kreditvergabepraxis geben. Es zeigt sich, dass die von vielen Unternehmern, Verbänden und Autoren genannten Befürchtungen einer Kreditverknappung verbunden mit einer Verschlechterung der Kreditkonditionen für mittelständische Unternehmen insgesamt nicht bestätigt werden kann. Jedoch führen die neuen Ratingmethoden zu einer größeren Streuung der Kreditzinsen. Eine intensivere Stärken-Schwächen-Analyse führt zu einer transparenteren Kunde-Bank-Beziehung. --

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    Bibliographic Info

    Paper provided by University of Tübingen, School of Business and Economics in its series Tübinger Diskussionsbeiträge with number 333.

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    Date of creation: 2011
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    Handle: RePEc:zbw:tuedps:333

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    Keywords: Eigenkapitalanforderungen; Kreditversorgung; Kreditkonditionen;

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