Titelaufnahme

Titel
Die Ratingberatung der Bank: Qualität, Nutzen und Erwartungen aus Sicht der Wiener KMU / Roman Wimmer
VerfasserWimmer, Roman
Betreuer / BetreuerinPrutky, Herbert
ErschienenWien, 22.01.2016
UmfangX, 162 Seiten
HochschulschriftFachhochschule des BFI Wien, Univ., Masterarbeit, 2016
SpracheDeutsch
DokumenttypMasterarbeit
URNurn:nbn:at:at-fhbfiw:1-70 Persistent Identifier (URN)
Zugriffsbeschränkung
 Das Werk ist frei verfügbar
Dateien
Die Ratingberatung der Bank: Qualität, Nutzen und Erwartungen aus Sicht der Wiener KMU [2.37 mb]
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Klassifikation
Zusammenfassung (Englisch)

This diploma thesis deals with rating advisory services offered by banks to small and medium sized Viennese enterprises (SME) defined by the criteria from European commission. By this definition a SME is determined as having a maximum turnover of 50 m, a maximum of 250 employees and total assets in the balance sheet of 43 m. It deals with the questions, in which quality and structure the rating advisory is offered by banks, weather Viennese SMEs benefit from it and if they do, what advantages they have. Further it wants to answer if the expectations from these services were met from the enterprises point of views. To answer these questions, the author used a quantitative method, combined with a qualitative empirical method. In the qualitative part, two bank experts and three Viennese CEOs were asked for their perspectives and experience with this bank-ing service. Afterwards the author conducted an online questionnaire, which was completely answered by 32 CEOs. Besides the questionnaire, eight hypotheses were defined and answered. Hypotheses A and F are focused on the quality, hypotheses C, D, G, H on the usability and B, E on the expectations of the rating advisory. The results concerning offered quality of banks rating advisory service are that 63 % of the sample expect to have a regularly rating advisory service and only 44 % in fact receive it by their key account managers. The question, if the most important factors of companies rating structure are communicated by banks, was positively answered by two thirds. Most of the companies which preserved the rating advisory service also receive suggestions to improve their rating class. Concerning usability of suggestions by the key account managers to improve soft- and hard facts, suggestions of soft facts were answered with an arithmetic average of 2.15 as usable and suggestions to hard facts with 2,73 as rather unusable. The most usable documents provided concerning companies ratings are analyses of the balance sheet and to crosssectoral comparisons. Finally Viennese SME expects banks rating advisory service to provide concrete recommendations of rating improvements, communication of rating structure and concrete documents of rating and sectoral comparisons analysis.