The new Basel capital accord and SME financing SMEs and the new rating culture
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| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Brussels
Centre for European Policy Studies
2005
|
| Schriftenreihe: | Research report in finance and banking
[36] |
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
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| 245 | 1 | 0 | |a The new Basel capital accord and SME financing |b SMEs and the new rating culture |
| 264 | 1 | |a Brussels |b Centre for European Policy Studies |c 2005 | |
| 300 | |a VI, 104 S. |b graph. Darst. | ||
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| 650 | 4 | |a Credit |z Europe | |
| 650 | 4 | |a Small business |z Europe |x Finance | |
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| 943 | 1 | |a oai:aleph.bib-bvb.de:BVB01-015022563 | |
Datensatz im Suchindex
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|---|---|
| DE-19_location | 70 |
| DE-BY-UBM_katkey | 3289831 |
| DE-BY-UBM_media_number | 41621757900010 |
| _version_ | 1823053306771013632 |
| adam_text | Contents
Executive
Summary and Recommendations
....................................................
і
Introduction
............................................................................................................1
1.
An overview of the
SME
sector in Europe
...................................................2
1.1
A European definition of an
SME
...........................................................2
1.2
The importance of the
SME
sector in Europe
........................................5
1.3
Sources of
SME
financing
.........................................................................9
1.4
Use and structure of
SME
financing in Europe
...................................13
1.5
The main constraints to
SME
financing by banks
...............................19
2.
The Basel Capital Accord, the CRD and
SME
financing
........................26
2.1
Why are banks required to hold regulatory capital?
..........................26
2.2
Basel I and its shortcomings
...................................................................27
2.3
Basel II: A new era of risk management
...............................................33
2.3.1
Pillar
1 -
Measuring credit and operational risks for capital
requirements
.....................................................................................33
2.3.2
Pillar
2 -
Supervisory review
...........................................................41
2.3.3
Pillar
3 -
Market discipline
..............................................................41
2.3.4
Implementation of Basel II in Europe
...............................................42
2.3.5
How do Basel II and the CRD define and treat SMEs?
...................44
2.3.6
How does the CRD treat collateral?
.................................................49
2.4
Development of an internal credit rating system
................................51
2.4.2
Recap of the main risk components of a loan to SMEs
.....................54
2.4.2
Other key elements and the development phases of an
internal credit rating system
............................................................57
2.4.3
A rating system in practice
..............................................................65
2.4.4
The risk premium: The key component of the cost of credit
.............69
2.5
What is the likely impact of the CRD on
SME
financing
in Europe?
.................................................................................................70
3.
Measures to improve
SME
financing under the new rating culture
....81
3.1
The role of banks
......................................................................................82
3.2
The role of SMEs
......................................................................................84
3.3
The role of public policy
.........................................................................87
Bibliography
.........................................................................................................88
Annexes
1.
What is the Credit Risk Premium?
...............................................................94
2.
SME
Capital Requirement Formulas
...........................................................97
3.
A Glance at the Treatment of Purchased Receivables
under Basel II
..................................................................................................98
4.
CEPS Survey on the Potential Effects of Basel II
on
SME
Financing
........................................................................................100
|
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| author | Ayadi, Rym 1975- |
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| geographic | Europa |
| geographic_facet | Europa |
| id | DE-604.BV021810251 |
| illustrated | Illustrated |
| indexdate | 2025-02-03T16:57:40Z |
| institution | BVB |
| isbn | 9290795913 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-015022563 |
| oclc_num | 70110498 |
| open_access_boolean | |
| owner | DE-19 DE-BY-UBM DE-703 |
| owner_facet | DE-19 DE-BY-UBM DE-703 |
| physical | VI, 104 S. graph. Darst. |
| publishDate | 2005 |
| publishDateSearch | 2005 |
| publishDateSort | 2005 |
| publisher | Centre for European Policy Studies |
| record_format | marc |
| series | Research report in finance and banking |
| series2 | Research report in finance and banking |
| spellingShingle | Ayadi, Rym 1975- The new Basel capital accord and SME financing SMEs and the new rating culture Research report in finance and banking Bank capital Europe Credit Europe Small business Europe Finance |
| title | The new Basel capital accord and SME financing SMEs and the new rating culture |
| title_auth | The new Basel capital accord and SME financing SMEs and the new rating culture |
| title_exact_search | The new Basel capital accord and SME financing SMEs and the new rating culture |
| title_full | The new Basel capital accord and SME financing SMEs and the new rating culture |
| title_fullStr | The new Basel capital accord and SME financing SMEs and the new rating culture |
| title_full_unstemmed | The new Basel capital accord and SME financing SMEs and the new rating culture |
| title_short | The new Basel capital accord and SME financing |
| title_sort | the new basel capital accord and sme financing smes and the new rating culture |
| title_sub | SMEs and the new rating culture |
| topic | Bank capital Europe Credit Europe Small business Europe Finance |
| topic_facet | Bank capital Europe Credit Europe Small business Europe Finance Europa |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=015022563&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| volume_link | (DE-604)BV022359082 |
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