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Mittelstand und Basel II : welche Unterstützung braucht der sächsische Mittelstand?

  • Ulrich Blum
  • Frank Leibbrand

Aufgrund der durch Basel II veränderten Kreditvergabepraxis werden sich die Kreditkonditionen in erheblichem Maße stärker spreizen. "Schlechte" Unternehmen müssen im Vergleich zu "guten" Unternehmen mit hohen Kreditzinsen rechnen. Die stärkere Spreizung ist in erster Linie auf die verbesserte Basis der Banken für die Einschätzung der Kreditrisiken des einzelnen Unternehmens über ein ausgefeiltes Ratingsystem zurückzuführen. Insbesondere der Mittelstand hat diese Problematik nicht hinreichend erkannt. In diesem Beitrag wird die Notwendigkeit eines wirtschaftspolitischen Eingreifens gezeigt, um negative Beschäftigungseffekte zu vermeiden.

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File URL: http://www.cesifo-group.de/portal/page/portal/DocBase_Content/ZS/ZS-ifo_Dresden_berichtet/zs-drber-2003/ifodb_2003_2_17-28.pdf
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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): 02 (06)
Pages: 17-28

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Handle: RePEc:ces:ifodre:v:10:y:2003:i:02:p:17-28
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  1. Detken, Annette & Ott-Laubach, Petra, 2002. "Die Entwicklung der Kreditneuzusagen," Wirtschaftsdienst – Zeitschrift für Wirtschaftspolitik (1998 - 2007), ZBW – German National Library of Economics / Leibniz Information Centre for Economics, vol. 82(10), pages 618-625.
  2. Mojon, Benoît, 2000. "Financial structure and the interest rate channel of ECB monetary policy," Working Paper Series 0040, European Central Bank.
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