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Basel II: Will the new demands on banks disadvantage small businesses?

Author

Listed:
  • Werner Müller
  • Helmut Krämer-Eis
  • Gregor Taistra
  • Gerhard Hofmann
  • Thomas Heidorn
  • Stephan Paul
  • Stephan Stein
  • Michael Paul

Abstract

Fears have been expressed that the Basel II regime will disadvantage small businesses because it would limit loans for enterprises and increase their interest costs. For Dr. Werner Müller, Federal Minister of the Economy, this consequence "is still not absolutely certain. For many of the crucial issues, promising solutions are still under discussion, so that a final assessment of Basel II cannot yet be made." Dr. Helmut Krämer-Eis and Dr. Gregor Taistra of the Kreditanstalt für Wiederaufbau (German Development Bank - KfW), see the Basel II consultative document as providing "good approaches", so that "Basel II must not necessarily lead to a general disadvantaging of small businesses nor to the much feared credit crunch. For Gerhard Hofmann, German Bundesbank, "Basel II is indispensable in terms of the stability of individual banks and our banking system". In the opinion of Prof. Thomas Heidorn, Business School of Banking and Finance, Frankfurt/Main, Basel II will not fundamentally change the situation of small businesses, and for Prof. Stephan Paul and Dr. Stefan Stein of Bochum University, and Dr. Michael Paul of Simon, Kucher & Partners, Basel II will offer small businesses more chances than risks.

Suggested Citation

  • Werner Müller & Helmut Krämer-Eis & Gregor Taistra & Gerhard Hofmann & Thomas Heidorn & Stephan Paul & Stephan Stein & Michael Paul, 2002. "Basel II: Will the new demands on banks disadvantage small businesses?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 55(03), pages 03-19, February.
    • Handle: RePEc:ces:ifosdt:v:55:y:2002:i:03:p:03-19
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • L10 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - General

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