EconPapers    
Economics at your fingertips  
 

New Banks’ Business – Rating Competence for the Real Sector

Meeh-Bunse Gunther () and Hermeling Anke ()
Additional contact information
Meeh-Bunse Gunther: University of Applied Science Osnabrueck, Faculty of Management, Culture and Technology (Lingen Campus), Osnabrueck, Germany
Hermeling Anke: Hermeling University of Applied Science Osnabrueck, Faculty of Management, Culture and Technology (Lingen Campus), Osnabrueck, Germany

Business Systems Research, 2017, vol. 8, issue 1, 124-132

Abstract: Background: The global financial crisis has revealed the urgency of changes in the business models of banks around the world. Due to rising regulatory costs and the effects of the low-interest rate phase, the revenue of banking sector is under pressure. Banks have to generate new sources of revenue. A conceivable externalization of bank internal rating data is appropriate. This available knowledge has a potential to generate new business potentials. Objectives: The goal of this paper is to compare the procurement of internal ratings by credit institutions and the supplier evaluation, particularly regarding the assessment of their financial capacity, as well as the identification of potential interfaces. Methods/Approach: The methods used in the research included an example-oriented presentation and an analysis of indicator systems aimed at assessing the financial soundness within the internal rating by credit institutions and the supplier evaluation. Results: Results show the intersections between the two evaluation systems. Conclusions: Despite the determination of evaluation results by their objective function, apparently significant trends of financial (dis)soundness can be recognized as a part of the two evaluating systems. This result provides starting points to initiate the discussion about a possible (partial) externalisation of internal ratings by credit institutions to be used for the supplier evaluation.

Keywords: business models; revenue; internal rating by banks; supplier evaluation (search for similar items in EconPapers)
Date: 2017
References: Add references at CitEc
Citations Track citations by RSS feed

Downloads: (external link)
https://www.degruyter.com/view/j/bsrj.2017.8.issue ... -0010.xml?format=INT (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:bit:bsrysr:v:8:y:2017:i:1:p:124-132:n:10

Access Statistics for this article

Business Systems Research is currently edited by Mirjana Pejić Bach

More articles in Business Systems Research from Sciendo
Bibliographic data for series maintained by Peter Golla ().

 
Page updated 2018-08-30
Handle: RePEc:bit:bsrysr:v:8:y:2017:i:1:p:124-132:n:10