Kreditrisiko Und Kreditentscheidung Im Bankbetrieb: Zur Ökonomisierung Des Kreditentscheidungsprozesses Im Bankbetrieb
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Nicht von ungefahr treten 1n den letzten Jahren die Pro- bleme des Absatzbereiches der Kreditinstitute 1mmer mehr in den Vordergrund der wissenschaftlichen BemUhungen 1). Die Betriebswirtschaftslehre tragt damit einer Entwick- lung in der Praxis Rechnung, die durch einen sich stan- dig verscharfenden Wettbewerb gekennzeichnet 1st 2). Die- ser Wettbewerb wurde von dem steigenden Einkommen weiter Bevolkerungskreise ausgelost, die den ihnen nahestehenden Institutsgruppen - vorwiegend den Sparkassen, mit Ein- schrankungen auch den Kreditgenossenschaften - hohe Ein- lagenzuflUsse brachten und somit aufgrund verbesserter Sparfahigkeit sowie Kreditfahig- und -wUrdigkeit auch fur die Kreditbanken immer interessanter wurden 3) 1) Vgl. Aust, Eberhard: Der Wettbewerb in der Bankwirt- schaft (Instltut fur das Kred1twesen, Professor Dr. Veit, Neue Schriftenfolge), Frankfurt am Main 1963; Hahn, Oswald: Das absatzpolitische Instrumentarium der Depositenbank, in: Osterreichisches Bank-Archiv, 14. Jg. (1966), S. 326-344; Knothe, Robert: Der neue Bankkunde, Wiesbaden 1967; Kolbeck, Rosemarie: Die Planung im Bankbetrieb, Habilitationsschrift, Frank- furt am Main 1966; KrUmmel, Hans-Jacob: Bankzinsen (Schriftenreihe Annales Universitatis Saraviensis, Rechts- und Wirtschaftswissenschaftliche Abteilung, Heft 11), Koln-Berlin-Bonn-MUnchen 1964; KUhl, Hen- ry: Das marktpolitische Instrumentarium der Bank un- ter besonderer BerUcksichtigung der Werbung, Disser- tation, Gottingen 1967; Leopold, GUnter: Wandlungs- tendenzen in der Geschaftsstruktur der deutschen GroSbanken, Dissertation, Hamburg 1966; Weiss, Ulrich: Marktforschung der Kreditinstitute (Untersuchungen Uber das Spar-, Giro- und Kreditwesen, Schriften des Instituts fUr das Spar-, Giro- und Kreditwesen an der Universitat Bonn, hrsg. v. Fritz Voigt, Band 30), Berlin 1966 2) Die Wettbewerbsverscharfung zeigt sich nicht nur beim Absatz, sondern in samtlichen Bereichen der Kredit- institute.
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