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Kreditvergabe und Kreditrisikomanagement von FinTech-Unternehmen

In: Digitale Transformation im Controlling

Author

Listed:
  • Johannes Biewer
  • Joachim Hauser

Abstract

Zusammenfassung Unternehmen mit Bezug zu technologiegestützten Finanzdienstleistungen (sogenannte FinTech-Unternehmen) bieten zunehmend verschiedene Formen des Kreditgeschäfts für Privat- und Geschäftskund:innen an und drängen somit ins klassische Bankgeschäft vor. Während sogenannte Buy Now Pay Later-Vereinbarungen Privatkund:innen die Möglichkeit bieten, Anschaffungen zu einem späteren Zeitpunkt oder in Raten zu bezahlen, eignen sich sogenannte Cash Advance-Geschäftskredite insbesondere für kleinere und mittlere E-Commerce-Unternehmen zur Liquiditätsbeschaffung. Welche Besonderheiten bei der Kreditvergabe durch FinTech-Unternehmen im Vergleich zu traditionellen Bankkrediten bestehen und wie sich diese Unterschiede auf das Kreditrisikomanagement von ebenjenen Unternehmen auswirken können, ist Gegenstand des vorliegenden Beitrags.

Suggested Citation

  • Johannes Biewer & Joachim Hauser, 2022. "Kreditvergabe und Kreditrisikomanagement von FinTech-Unternehmen," Springer Books, in: Jessica Hastenteufel & Susanne Weber & Thomas Röhm (ed.), Digitale Transformation im Controlling, chapter 0, pages 169-182, Springer.
  • Handle: RePEc:spr:sprchp:978-3-658-38225-4_11
    DOI: 10.1007/978-3-658-38225-4_11
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