Kreditwürdigkeit und Scoringverfahren im Bankencontrolling. Relevanz und Methoden der Kreditwürdigkeitsprüfung
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Studienarbeit aus dem Jahr 2017 im Fachbereich BWL - Controlling, Note: 1, Leopold-Franzens-Universität Innsbruck (Institut für Organisation und Lernen - Bereich Controlling), Sprache: Deutsch, Abstract: Diese Arbeit beschäftigt sich mit der Relevanz und der Methodik der Kreditwürdigkeitsprüfung. Aus dem Blickwinkel der Relevanz wird erläutert, welche Rolle die Kreditwürdigkeitsprüfung für das Bankencontrolling und die Wirtschaft im Allgemeinen spielt. Ferner wird hierbei darauf eingegangen, welche Auswirkungen schlechte oder minderwertige Prüfungsverfahren haben und welche Konsequenzen sich daraus ergeben. Relevant sind hierbei auch die regulatorischen Ma nahmen, die ergriffen werden (national und international), um die Kreditvergabe zu kontrollieren. Ein weiterer grundlegender Aspekt dieser Ausarbeitung liegt dabei auf der Methodik, mit welcher die Kreditwürdigkeitsprüfungen abläuft. In diesem Gedankengang wird auf das Kredit Scoringverfahren eingegangen, welches von Banken verwendet wird, und welche Methoden herangezogen werden, um die Kreditnehmer risikoadjustiert einzustufen. Im Rahmen der Kreditsicherheiten wird auf die qualitativen und quantitativen Faktoren eingegangen, die im Kreditbearbeitungsprozess berücksichtigt werden. Diese Faktoren tragen bei den Scoringverfahren dazu bei beurteilen zu können, in welche Risikoklassen die Kunden schlussendlich eingeordnet. Abschlie end wird noch der Unterschied, zwischen den Privat- und den Firmenkunden thematisiert, um die spezifische Aspekte darzustellen, die für Bankmitarbeiter beachtenswert sind.
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