Bank Rating – Normative Banking Regulation in the Financial Market Crisis

Books

Oliver Everling and Karl-Heinz Goedeckemeyer (publisher): Banking Rating – Normative Banking Regulation in the Financial Market Crisis, 2nd Edition, Wiesbaden 2015, Springer Gabler, http://www.springer.com, Copyright Springer Fachmedien Wiesbaden 2004, 2015, ISBN 978- 3-8349-4734-5, DOI 10.1007 / 978-3-8349-4735-2, eBook ISBN 978-3-8349-4735-2, 529 pages.

Particularly after the financial market crisis, the serious, sound assessment of the creditworthiness of banks is of particular importance. High-ranking experts from various perspectives (banking, auditing, commercial law firms, rating agencies, management consultancy) provide competent, useful assistance in this work. Since the first edition of this book, a plethora of topics has been added, particularly concerning the regulation of banks. Bank ratings are being influenced by state regulations, as hardly ever before. Thus, the focus of the contributions of this editorial work shifted to the resulting issues.

The content:

  • Assessment aspects of the business strategies of European banks
  • Methods of business assessment of banks
  • Interpretation of the bank accounting
  • Implications of ratings for the valuation of banks and bank rating systems
  • Overall bank management and credit risk management
  • Banking regulation
  • Rating and financial market communication

Oliver Everling und Karl-Heinz Goedeckemeyer (Herausgeber): Bankenrating – Normative Bankenordnung in der Finanzmarktkrise, 2. Auflage, Wiesbaden 2015, Springer Gabler, http://www.springer.com, Copyright Springer Fachmedien Wiesbaden 2004, 2015, ISBN 978-3-8349-4734-5, DOI 10.1007/978-3-8349-4735-2, eBook ISBN 978–3-8349-4735-2, 529 Seiten.

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Rating of Financial Institutions – Properly Assessing Banks and Financial Services Providers

Books

Zafer Diab and Oliver Everling (publisher): Ratings of Financial Institutions – Banks and Financial Services Correctly Assess, Wiesbaden 2016, Springer Gabler, Springer Fachmedien Wiesbaden, http://www.springer.com/, 217 Pages, ISBN 978-3-658- 04194-6, ISBN 978-3-658-04195-3 (eBook).

The financial crisis leaves a completely different banking landscape. In a very short time not only former big banks disintegrated, but completely different institutions formed from mergers and takeovers. Increased competition among banks is not only under the yoke of an unresolved sovereign debt crisis, but also under increased pressure from banking supervision and the next generation of financial services providers. Many business models were only possible through new information and communication technologies and await probation in practice. The legislation now covers every financial institution and places it under supervision. The book not only highlights the consequences of regulation and competition for banks’ credit rating, but also sets standards, criteria and procedures for assessing the existential risk of other financial institutions.

Zafer Diab und Oliver Everling (Herausgeber): Rating von Finanzinstituten – Banken und Finanzdienstleister richtig beurteilen, Wiesbaden 2016, Springer Gabler, Springer Fachmedien Wiesbaden, http://www.springer.com/, 217 Seiten, ISBN 978-3-658-04194-6, ISBN 978-3-658-04195-3 (eBook).

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Bank Risk Management: Minimum Requirements, Instruments and Strategies for Banks

Books

Oliver Everling and Samuel S. Theodore (publisher): Bank Risk Management: Minimum Requirements, Instruments and Strategies for Banks, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, hardcover, 1st edition 2008, 595 pages, ISBN 978-3-8349-0512-3.

Oliver Everling und Samuel S. Theodore (Herausgeber): Bankrisikomanagement: Mindestanforderungen, Instrumente und Strategien für Banken, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, gebundene Ausgabe, 1. Auflage 2008, 595 Seiten, ISBN 978-3-8349-0512-3.

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Next Generation Financial Services: Digital transformation and new services

Books

Oliver Everling and Robert Lempka (editors): Next Generation Financial Services: Digital Transformation and New Services, Frankfurt am Main 2020, Frankfurt School Verlag, 480 pages, ISBN (print) 978-3-95647-176-6.

The digital transformation of the financial industry is in full swing. On the one hand there are consolidation and cooperation processes between banks and fintechs as well as between fintechs among themselves, on the other hand new digital providers, services and products keep coming onto the market. These new offers open up strategic and market potential for the industry and generate new customer behavior. The entire industry is subject to constant change and a high degree of innovation on the part of both the provider and the customer.

The book presents this digital transformation process in the financial sector and describes various digital services and business cases. Established providers discuss their digital strategy, established fintechs describe their business models and new start-ups present their innovative products and services. The book thus provides a profound overview of the status quo and the further progress of digitization in the financial industry.

The authors come from the financial services industry, fintechs, consulting firms and academia. They give the book a high topicality and practical relevance. The book is aimed at those in the industry who are involved in digital strategy and product development and who are significantly driving the digital transformation of the financial industry.

Oliver Everling und Robert Lempka (Herausgeber): Finanzdienstleister der nächsten Generation – Digitale Transformation und neue Dienstleistungen. Frankfurt am Main 2020, Frankfurt School Verlag, 480 Seiten, ISBN (print) 978-3-95647-043-1.

Rating in the Leasing Business

Books

Hans-Michael Heitmüller, Marijan Nemet and Oliver Everling (Publisher): Rating in the Leasing Business: Significance and Requirements Against the Background of Current Market Developments, Fritz Knapp Verlag GmbH, http://www.knapp-verlag.de/, Frankfurt am Main 2010 , 363 pages, ISBN 978-3-8314-0834-4.

The rating of leasing companies is becoming increasingly important. Because of the financial crisis, the refinancing of leasing companies is made more difficult. This makes the rating a success factor for them in the context of a broader investor approach. But even rating judgments are not free of criticism and contradiction. Appropriate standards must therefore be discussed and questioned as well as the optimal operating structure and size of the leasing company itself. The requirements for operations management and especially for risk management are constantly increasing.

For the first time in the literature, the rating of leasing companies is addressed in this book. Here, the focus is on opportunities and default risks, as they are to be assessed according to Basel II using rating scales. The aim is to clarify the procedures and assessment benchmarks with regard to leasing companies, to show approaches to implementation and to clarify the benefits and functions of ratings for leasing companies in addition to legal, tax and technical aspects.

The book is a valuable guide for anyone involved in investment and finance issues related to leasing companies. In other words, executives and professionals in banking, insurance, accounting and tax consulting firms, consulting and IT companies, law firms, regulators and authorities, credit rating agencies and research firms, and universities benefit from this book.

Hans-Michael Heitmüller, Marijan Nemet und Oliver Everling (Hrsg.): Rating im Leasinggeschäft: Bedeutung und Anforderungen vor dem Hintergrund aktueller Marktentwicklungen, Fritz Knapp Verlag GmbH, http://www.knapp-verlag.de/, Frankfurt am Main 2010, 363 Seiten, ISBN 978-3-8314-0834-4.

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Rating Advisory

Books

Ann-Kristin Achleitner and Oliver Everling (Editor): Rating Advisory: With Professional Advice to the Optimal Credit Rating, Dr. Th. Gabler, Wiesbaden 1st edition October 2003, http://www.gabler-verlag.de, 396 pages, hardcover, ISBN 3-409-15010-2.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Rating Advisory: Mit professioneller Beratung zum optimalen Bonitätsurteil
, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Oktober 2003, www.gabler.de, 396 Seiten, gebundene Ausgabe, ISBN 3-409-15010-2.

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Capital Market Rating

Books

Oliver Everling and Jens Schmidt-Bürgel (editors): Capital Market Rating: Perspectives for Corporate Financing, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition December 2005, http://www.gabler-verlag.de, hardcover, 318 pages, ISBN 3-409-14242-8.

The financing requirements for companies have changed considerably in recent years. There is a trend from bank-oriented to capital-market-driven financing culture, and corporate bonds are becoming an increasingly important form of financing. Capital market ratings reflect the ability and willingness of a company to fully and timely meet its payment obligations under its debt obligations. This makes them an important instrument for assessing and communicating the future viability of the issuer. For investors, capital market ratings are a tool to assess the credit risk of fixed income securities they wish to buy or sell. Leading investors worldwide rely on ratings, which in turn gives companies a secure and flexible way to raise capital.

In the anthology “Kapitalmarktrating” renowned experts give a practical insight into the process of capital market rating, prerequisites for a good rating, instruments and methods of risk identification and control.

Oliver Everling und Jens Schmidt-Bürgel (Herausgeber): Kapitalmarktrating: Perspektiven für die Unternehmensfinanzierung, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Dezember 2005, http://www.gabler-verlag.de, gebundene Ausgabe, 318 Seiten, ISBN 3-409-14242-8.

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Social Credit Rating

Books

Oliver Everling (editor): Social Credit Rating, Wiesbaden 2020, Springer Gabler Verlag, eBook ISBN 978-3-658-29653-7, Softcover ISBN 978-3-658-29652-0.

Social credit ratings are the result of social credit systems. These include online rating or scoring systems which are making use of a variety of databases, using, for example, the creditworthiness, criminal record and social behavior of individuals or organizations, such as businesses or non-governmental organizations, to classify their reputation.

The German driver fitness register of the German Federal Motor Vehicle Office, which scores and stores points of misappropriation, driving bans or criminal offenses for everyone, is just as well-known and recognized as the SCHUFA credit rating, the Creditreform index, the FICO score or credit ratings from rating agencies. Similar systems such as seller ratings in online shops, likes, and certificates of all kinds are common in Germany as well as in many other countries and worldwide in social media

At all important intersections in China, cameras ensure increased vigilance and discipline of road users.

.

The establishment of a state-owned social credit system, adopted by the Chinese State Council, has taken such ratings and scorings to a new dimension through unique links that were only made possible by new information and communication technologies. This initiative calls for rethinking the interaction of the systems.

This book gives a deep insight into the used data, procedures, methods and models as well as discusses importance, benefits, functions and application areas of Social Credit Ratings. The book addresses the key players, authors of both practice and science.

Social Credit Rating: Reputation und Vertrauen beurteilen

Infographic: The Most Surveilled Cities in the World | Statista

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Next Generation Financial Services: Digital transformation and new services

Books

Oliver Everling and Robert Lempka (editors): Next Generation Financial Services: Digital Transformation and New Services, Frankfurt am Main 2020, Frankfurt School Verlag, 480 pages, ISBN (print) 978-3-95647-176-6.

The digital transformation of the financial industry is in full swing. On the one hand there are consolidation and cooperation processes between banks and fintechs as well as between fintechs among themselves, on the other hand new digital providers, services and products keep coming onto the market. These new offers open up strategic and market potential for the industry and generate new customer behavior. The entire industry is subject to constant change and a high degree of innovation on the part of both the provider and the customer.

The book presents this digital transformation process in the financial sector and describes various digital services and business cases. Established providers discuss their digital strategy, established fintechs describe their business models and new start-ups present their innovative products and services. The book thus provides a profound overview of the status quo and the further progress of digitization in the financial industry.

The authors come from the financial services industry, fintechs, consulting firms and academia. They give the book a high topicality and practical relevance. The book is aimed at those in the industry who are involved in digital strategy and product development and who are significantly driving the digital transformation of the financial industry.

Oliver Everling und Robert Lempka (Herausgeber): Finanzdienstleister der nächsten Generation – Digitale Transformation und neue Dienstleistungen. Frankfurt am Main 2020, Frankfurt School Verlag, 480 Seiten, ISBN (print) 978-3-95647-043-1.

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Risk Profiling With Investors: Analyze Customer Profiles Appropriately and Use Them in Consulting

Books

Oliver Everling and Monika Müller (publisher): Risk profiling with investors: aptly analyze customer profiles and use them in consulting, Bank Verlag, http://www.bank-verlag-shop.de/, Cologne, 2nd, revised and expanded edition, 507 pages, Cologne 2018, ISBN 978-3-86556-506-8.

Consultants and “Robo-Advisor” must ensure that their investment recommendation reflects the risk appetite and financial viability of the client. Both economic and psychological aspects are important. An economic aspect of the risk assessment is, for example, the financial situation of the customer, which constitutes an important cornerstone of MiFID-compliant advice. These include the individual income and asset situation as well as necessary risk buffers. The psychological component deals with the customer’s risk attitude, which is based on previous personal experiences, assessments and personality traits such as risk-taking or risk perception.

The book presents in practice the latest methods and systems of risk profiling with investors and aims in particular at examining and documenting the economic and legal design possibilities of concepts as well as individual risk profiling with investors.

Oliver Everling und Monika Müller (Herausgeber): Risikoprofiling mit Anlegern: Kundenprofile treffend analysieren und in der Beratung nutzen, Bank Verlag, http://www.bank-verlag-shop.de/, Köln, 2., überarbeitete und erweiterte Auflage, 507 Seiten, Köln 2018, ISBN 978-3-86556-506-8.

Credit Analyst

Advisors, Analysts, Associations, Books, Certifications, Experts, Regulations

Oliver Everling, Jens Leker and Stefan Bielmeier (editors): Credit Analyst, De Gruyter Oldenburg, Walter de Gruyter GmbH, Berlin / Boston, http://www.degruyter.com/, updated and completely revised edition, 3rd edition 2015, 390 pages, ISBN 978-3-11-035379-2.

The escalation of the financial crisis has brought changes in hardly any other area as quickly as in the credit analysis. Basel’s banking regulatory requirements set new framework conditions for banks’ lending business after the financial crisis. At the same time, a variety of credit products have become increasingly important on the capital markets, from corporate bonds to securitisations. The credit and capital markets are growing ever closer together in the globalization process. Credit risks must be analyzed and managed – in banks as well as on the capital market, with both institutional and private investors. More professionalism protects market participants from the consequences of credit crises.

The postgraduate program CCrA® offers a comprehensive and practice-oriented qualification for banking and capital market credit experts.

The topics range from instruments for the analysis of individual risks to methods of active credit portfolio management. Important topics in the areas of banking regulation and credit research are also covered. In addition, the established rating agency Standard & Poor’s will give a hands-on insight into how they work in a workshop for Classic participants. Practical case studies and eSeminars complete the program. The compact program structure is designed for in-service participation and enables efficient qualification in just five months. Graduates hold the title CCrA® – Certified Credit Analyst.

Oliver Everling, Jens Leker und Stefan Bielmeier (Herausgeber): Credit Analyst, De Gruyter Oldenbourg, Walter de Gruyter GmbH, Berlin/Boston, http://www.degruyter.com/, aktualisierte und vollständig überarbeitete Ausgabe, 3. Auflage 2015, 390 Seiten, ISBN 978-3-11-035379-2.

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Credit Analyst

Advisors, Analysts, Books, Experts

Oliver Everling, Klaus Holschuh and Jens Leker (Editor): Credit Analyst, Oldenbourg Wissenschaftsverlag, Munich, http://www.oldenbourg.de, hardcover, 1st edition 2009, 386 pages, ISBN 978-3-486-58688- 6.

The requirements of Basel II set completely new conditions for the lending business. At the same time, a variety of credit products have become increasingly important on the capital markets, from corporate bonds to securitization. The credit and capital markets are growing ever closer together.

Credit risks must be analyzed and managed – in banks as well as on the capital market. More professionalism protects market participants from the consequences of credit crises. The leading training for credit and capital market specialists in the German-speaking region of the renowned DVFA German Association for Financial Analysis and Asset Management thus continues to gain in importance.

As a professional association of investment professionals, DVFA has been implementing the proven postgraduate program CCrA – Certified Credit Analyst for many years. This encompasses both areas – the classic as well as the capital market-oriented lending business – and thus offers a comprehensive and practice-oriented qualification for specialists and executives.

The book is suitable for preparing for participation in the DVFA program, as a constant companion to the degree program, to deepen DVFA’s other education and training offerings, to complement the training of credit and capital market specialists, to refresh knowledge for practitioners and users generally to expand the financial knowledge of credit analysis skills.

Oliver Everling, Klaus Holschuh und Jens Leker (Herausgeber): Credit Analyst , Oldenbourg Wissenschaftsverlag, München, http://www.oldenbourg.de, gebundene Ausgabe, 1. Auflage 2009, 386 Seiten, ISBN 978-3-486-58688-6.

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Certified Rating Analyst

Advisors, Analysts, Books, Experts

Oliver Everling (Editor): Certified Rating Analyst, Oldenbourg Science Publishing, Munich, http://www.oldenbourg.de, hardcover, 1st edition 2008, 562 pages, ISBN 978-3-486-58287-9.

Oliver Everling (Herausgeber): Certified Rating Analyst, Oldenbourg Wissenschaftsverlag, München, http://www.oldenbourg.de, gebundene Ausgabe, 1. Auflage 2008, 562 Seiten, ISBN 978-3-486-58287-9.

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Credit Rating by International Agencies

Books

Oliver Everling: Credit Rating by International Agencies, Dr. Th. Gabler, Wiesbaden 1991, http://www.gabler-verlag.de, bound issue, 349 pages, ISBN 3-409-14205-3.

This book is the first book in German language on the topic of credit rating by international agencies. The work was accepted for doctoral studies as an Inauguraldissertation at the University of Cologne. It is the first dissertation on rating. The book laid the foundation for hundreds of other scientific papers as well as doctoral theses and books.

Oliver Everling: Credit Rating durch internationale Agenturen , Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1991, http://www.gabler-verlag.de, gebundene Ausgabe, 349 Seiten, ISBN 3-409-14205-3.

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Risk Profiling With Investors: Analyze Customer Profiles Appropriately and Use Them in Consulting

Books

Oliver Everling and Monika Müller (publisher): Risk profiling with investors: aptly analyze customer profiles and use them in consulting, Bank Verlag, http://www.bank-verlag-shop.de/, Cologne, 2nd, revised and expanded edition, 507 pages, Cologne 2018, ISBN 978-3-86556-506-8.

Consultants and “Robo-Advisor” must ensure that their investment recommendation reflects the risk appetite and financial viability of the client. Both economic and psychological aspects are important. An economic aspect of the risk assessment is, for example, the financial situation of the customer, which constitutes an important cornerstone of MiFID-compliant advice. These include the individual income and asset situation as well as necessary risk buffers. The psychological component deals with the customer’s risk attitude, which is based on previous personal experiences, assessments and personality traits such as risk-taking or risk perception.

The book presents in practice the latest methods and systems of risk profiling with investors and aims in particular at examining and documenting the economic and legal design possibilities of concepts as well as individual risk profiling with investors.

Oliver Everling und Monika Müller (Herausgeber): Risikoprofiling mit Anlegern: Kundenprofile treffend analysieren und in der Beratung nutzen, Bank Verlag, http://www.bank-verlag-shop.de/, Köln, 2., überarbeitete und erweiterte Auflage, 507 Seiten, Köln 2018, ISBN 978-3-86556-506-8.

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Next Generation Financial Services: Megatrend Digitization – Strategies and Business Models

Books

Oliver Everling and Robert Lempka (editors): Next Generation Financial Services: Megatrend Digitization – Strategies and Business Models, Frankfurt am Main 2016, Frankfurt School Verlag, 436 pages, ISBN (print) 978-3-95647-043-1.

The Internet and the digital revolution are changing society and the economy on an unprecedented scale. This trend is also visible in the financial services sector: “FinTechs” are pushing retail markets forward with innovative (online) services and giving completely new impetus to traditional business areas. Until now unfulfilled customer expectations are satisfied, at the same time new customer wishes are awakened. Keywords such as social banking, mobile payment, personal finance management and crowdfunding are examples of this development. Established providers of financial services face the strategic question of which innovations are really promising for the future and which path they want to take in the future in this demanding environment.

The focus of the book on next-generation financial service providers, therefore, are the following questions:

  • What are the customer preferences in the financial services markets of tomorrow?
  • What innovative product and service offerings exist today and how do new providers position themselves?
  • How can established financial service providers successfully make their way into the digital world?
  • Which future prospects do innovative financial service providers have with their digital process and business models?

As a scientifically founded yet practice-oriented compendium, the book offers concrete benefits for decision-makers from the finance and IT sectors as well as for investors interested in the fintech market. It addresses readers from the internet industry as well as banks and other financial service providers, as well as rating agencies, venture capitalists, seed financiers, business angels, consultants, headhunters, scientists and business journalists.

Oliver Everling und Robert Lempka (Herausgeber): Finanzdienstleister der nächsten Generation: Megatrend Digitalisierung: Strategien und Geschäftsmodelle, Frankfurt am Main 2016, Frankfurt School Verlag, 436 Seiten, ISBN (print) 978-3-95647-043-1.

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Rating of Financial Institutions – Properly Assessing Banks and Financial Services Providers

Books

Zafer Diab and Oliver Everling (publisher): Ratings of Financial Institutions – Banks and Financial Services Correctly Assess, Wiesbaden 2016, Springer Gabler, Springer Fachmedien Wiesbaden, http://www.springer.com/, 217 Pages, ISBN 978-3-658- 04194-6, ISBN 978-3-658-04195-3 (eBook).

The financial crisis leaves a completely different banking landscape. In a very short time not only former big banks disintegrated, but completely different institutions formed from mergers and takeovers. Increased competition among banks is not only under the yoke of an unresolved sovereign debt crisis, but also under increased pressure from banking supervision and the next generation of financial services providers. Many business models were only possible through new information and communication technologies and await probation in practice. The legislation now covers every financial institution and places it under supervision. The book not only highlights the consequences of regulation and competition for banks’ credit rating, but also sets standards, criteria and procedures for assessing the existential risk of other financial institutions.

Zafer Diab und Oliver Everling (Herausgeber): Rating von Finanzinstituten – Banken und Finanzdienstleister richtig beurteilen, Wiesbaden 2016, Springer Gabler, Springer Fachmedien Wiesbaden, http://www.springer.com/, 217 Seiten, ISBN 978-3-658-04194-6, ISBN 978-3-658-04195-3 (eBook).

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Municipal Rating: Securing Financing for Cities and Communities

Books

Oliver Everling (publisher): Municipal rating: Securing financing of cities and communities, 2nd edition Cologne 2015, Bank-Verlag, http://www.bank-verlag.de/, 414 pages, Art. 22.489-1500, ISBN 978-3-86556-445-0.

The number of municipalities under emergency budget law raises the question of when banks could also be affected by defaults at municipal loans. Due to the minimum requirements for risk management, credit institutions are required to make risk classifications for each borrower, including municipalities and the companies they support. The political decision to weight the risk of public debtors with “zero” for the purpose of owning capital of credit institutions does not make a municipal rating superfluous, even for economic reasons.

For the first time in Germany, the first edition of the book “Kommunalrating” dealt with the topic of municipal finances from the perspective of the rating. The book sparked a lively discussion that sought less theoretical modeling than practical solutions. In the second edition, new proposals are raised, especially from the perspective of those affected, the mayors and city treasurers, but also by scientists. Many municipalities gained experience with the status of their over-indebtedness. In the case of insolvency, there is still no municipal bankruptcy law, which would allow in a foreseeable process, the exemption from the burden of debt. The lack of legal title to enforce their claims in the event of payment difficulties with their municipal debtors forces banks such also every other creditor for the differentiated risk classification of the municipal rating. The new book not only pools assessment standards for the rating of municipalities, but also highlights current developments.

Oliver Everling (Herausgeber): Kommunalrating: Finanzierung von Städten und Gemeinden sichern, 2. Auflage Köln 2015, Bank-Verlag, http://www.bank-verlag.de/, 414 Seiten, Art.-Nr. 22.489-1500, ISBN 978-3-86556-445-0.

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Bank Rating – Normative Banking Regulation in the Financial Market Crisis

Books

Oliver Everling and Karl-Heinz Goedeckemeyer (publisher): Banking Rating – Normative Banking Regulation in the Financial Market Crisis, 2nd Edition, Wiesbaden 2015, Springer Gabler, http://www.springer.com, Copyright Springer Fachmedien Wiesbaden 2004, 2015, ISBN 978- 3-8349-4734-5, DOI 10.1007 / 978-3-8349-4735-2, eBook ISBN 978-3-8349-4735-2, 529 pages.

Particularly after the financial market crisis, the serious, sound assessment of the creditworthiness of banks is of particular importance. High-ranking experts from various perspectives (banking, auditing, commercial law firms, rating agencies, management consultancy) provide competent, useful assistance in this work. Since the first edition of this book, a plethora of topics has been added, particularly concerning the regulation of banks. Bank ratings are being influenced by state regulations, as hardly ever before. Thus, the focus of the contributions of this editorial work shifted to the resulting issues.

The content:

  • Assessment aspects of the business strategies of European banks
  • Methods of business assessment of banks
  • Interpretation of the bank accounting
  • Implications of ratings for the valuation of banks and bank rating systems
  • Overall bank management and credit risk management
  • Banking regulation
  • Rating and financial market communication

Oliver Everling und Karl-Heinz Goedeckemeyer (Herausgeber): Bankenrating – Normative Bankenordnung in der Finanzmarktkrise, 2. Auflage, Wiesbaden 2015, Springer Gabler, http://www.springer.com, Copyright Springer Fachmedien Wiesbaden 2004, 2015, ISBN 978-3-8349-4734-5, DOI 10.1007/978-3-8349-4735-2, eBook ISBN 978–3-8349-4735-2, 529 Seiten.

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Credit Analyst

Advisors, Analysts, Associations, Books, Certifications, Experts, Regulations

Oliver Everling, Jens Leker and Stefan Bielmeier (editors): Credit Analyst, De Gruyter Oldenburg, Walter de Gruyter GmbH, Berlin / Boston, http://www.degruyter.com/, updated and completely revised edition, 3rd edition 2015, 390 pages, ISBN 978-3-11-035379-2.

The escalation of the financial crisis has brought changes in hardly any other area as quickly as in the credit analysis. Basel’s banking regulatory requirements set new framework conditions for banks’ lending business after the financial crisis. At the same time, a variety of credit products have become increasingly important on the capital markets, from corporate bonds to securitisations. The credit and capital markets are growing ever closer together in the globalization process. Credit risks must be analyzed and managed – in banks as well as on the capital market, with both institutional and private investors. More professionalism protects market participants from the consequences of credit crises.

The postgraduate program CCrA® offers a comprehensive and practice-oriented qualification for banking and capital market credit experts.

The topics range from instruments for the analysis of individual risks to methods of active credit portfolio management. Important topics in the areas of banking regulation and credit research are also covered. In addition, the established rating agency Standard & Poor’s will give a hands-on insight into how they work in a workshop for Classic participants. Practical case studies and eSeminars complete the program. The compact program structure is designed for in-service participation and enables efficient qualification in just five months. Graduates hold the title CCrA® – Certified Credit Analyst.

Oliver Everling, Jens Leker und Stefan Bielmeier (Herausgeber): Credit Analyst, De Gruyter Oldenbourg, Walter de Gruyter GmbH, Berlin/Boston, http://www.degruyter.com/, aktualisierte und vollständig überarbeitete Ausgabe, 3. Auflage 2015, 390 Seiten, ISBN 978-3-11-035379-2.

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CleanTech Rating: CleanTech Investment and Financing – Companies and Projects

Books

Oliver Everling (Editor): Cleantech Rating: Investment and Financing of Cleantech – Companies and Projects, Kindle Edition (Amazon Media EU S.à rl), RATING EVIDENCE GmbH, 1st Edition Frankfurt am Main 2015, 268 pages, ASIN: B00QFNHAQ8.

“Cleantech” is not a new buzzword, but names the consistent continuation of a fundamental trend. Clean technologies encompass all products and services that have a positive and sustainable impact on the environment, climate change and humans. Sustainable, efficient and environmentally friendly use of our planet’s scarce resources so that humankind can continue to survive in the long term and sustainably will remain a challenge for science and practice in the long term. This includes both vertical applications and horizontal base technologies.

We do not want to anticipate the definitions of our authors. For example, “cleantech” in this book covers a variety of sectors and subsegments. The rating, ranking or scoring of companies in the field of “cleantech” and the opportunities offered to them is therefore based on the idea of ​​bringing transparency to many investors in an opaque market. The book offers a forum for discussing the nature and design of rating sentences. “Rating” is understood as a generic term for any type of classification for the purpose of preparing investment and financing decisions.

By placing the title on the view of investors or decision makers, the reader should be offered a publication that, although scientifically sound, is rather positioned as a practice-oriented compendium with concrete benefits for those affected. Thus, there is a broad target group for this book: investors in cleantech companies, cleantech entrepreneurs, asset managers, foundations, (eg church) pension funds, financial advisors, investment brokers, banks, insurance companies and other financial service providers, consultants, scientists, business journalists and last but not least – private investors from the entire German-speaking area.

Authors of the book: Jan G. Andreas, Dr. Michael Brandkamp, ​​dr. Matthias Gündel, Thomas Hellener, Christoph Herr, Prof. Dr. Johannes Hoffmann, Wilhelm Kötting, Daniela Kramer, Dr. Ing. Bernd Kreuter, Ingmar Kruse, Dieter Pape, Dr. Ralf-Rainer Piesold, Michael Wilkins, Axel Wilhelm, Stefanie Zillikens.

Oliver Everling (Herausgeber): Cleantech Rating: Investition und Finanzierung von Cleantech – Unternehmen und ProjekteKindle Edition (Amazon Media EU S.à r.l.), RATING EVIDENCE GmbH, 1. Auflage Frankfurt am Main 2015, 268 Seiten, ASIN: B00QFNHAQ8.

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Rating of Asset Management

Books

Oliver Everling and Jürgen Lampe (Publisher): Rating of asset management, Frankfurt School Verlag GmbH, 1st edition Frankfurt am Main 2014, 392 pages, ISBN 978-3-95647-003-5.

For the first time, this book provides an overview of practice-related assessment approaches for asset management. With respect to new information and communication technologies, it explains the impact of ratings, rankings and scoring on workflows, service processes and asset management efficiency. In addition, it discusses how communication between financial service providers and customers will change as a result of transparent assessment criteria. In this way, this work addresses the (customer) need for transparency of consulting services in the financial sector.

Oliver Everling und Jürgen Lampe (Herausgeber): Rating von Vermögensverwaltungen (Edition Frankfurt School), 1. Auflage Frankfurt am Main 2014, 392 Seiten, ISBN 978-3-95647-003-5.

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Basel III: Impact of the New Banking Supervision Law on SMEs

Books

Oliver Everling and Rainer Langen (publisher): Basel III: Effects of the New Banking Supervision Law on the Mittelstand, Bank-Verlag GmbH, 1st Edition Cologne 2013, 199 pages, Art. 22486-1300, ISBN 978-3-86556-354-5.

The book is aimed in particular at the corporate clients of banks who, as with Basel II, are now asking about the consequences of Basel III for optimizing their financing.

The book follows the concept of a collage of papers, statements, and numerous advice – loosened up by interviews – and shows various different perspectives and concrete practical solutions for future SME financing, which should lead to a successful cooperation of entrepreneurs and investors.

The content is structured as follows:

  • General: Regulatory changes – from Basel II to Basel III
  • Bank overview: How is lending policy changing in competition?
  • Entrepreneurship: Consequences in SME financing
  • Solutions at the interface of corporate account managers and entrepreneurs
  • Tips for entrepreneurs (financing, bank discussion, rating process)
  • Special topics (real estate, Austria)

Oliver Everling und Rainer Langen (Herausgeber): Basel III: Auswirkungen des neuen Bankenaufsichtsrechts auf den MittelstandBank-Verlag GmbH, 1. Auflage Köln 2013, 199 Seiten, Art.-Nr. 22.486-1300, ISBN 978-3-86556-354-5.

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Next Generation Financial Services: The New Digital Power of Customers

Books

Oliver Everling and Robert Lempka (Publisher): Next Generation Financial Services: The New Digital Power of Customers, 1st Edition Frankfurt am Main 2013, Frankfurt School Verlag, 462 pages, ISBN 978-3-940913-62-3.

The Internet and the digital revolution have changed society and the economy on an unprecedented scale. After industries such as publishing or retail have been fundamentally reoriented in recent years, the financial sector is still lagging behind in this development. The book shows how the financial industry is changing and what new business models and opportunities are emerging.

This book is about presenting trends in the financial industry and presenting new business models made possible by the digital revolution and the resulting strengthening of the customer. It identifies adaptation processes and changes that the financial sector faces not only through the potential of the Internet, but also through the use of a wide range of different end-user devices that bank customers of the past will use to communicate with their financial service providers. As a scientifically founded and practice-oriented compendium, the book offers concrete benefits for investors and decision-makers.

It will address internet industry readers as well as bankers and other financial service providers, as well as rating agencies, venture capitalists, seed financiers, business angels, investors, consultants, headhunters, academics and business journalists.

Oliver Everling und Robert Lempka (Herausgeber): Finanzdienstleister der nächsten Generation: Die neue digitale Macht der Kunden, 1. Auflage Frankfurt am Main 2013, Frankfurt School Verlag, 462 Seiten, ISBN 978-3-940913-62-3.

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Municipal Rating: Securing Financing for Cities and Municipalities

Books

Oliver Everling and Michael Munsch (publisher): Municipal rating: securing financing of cities and communities, 1st edition Cologne 2013, Bank-Verlag, http://www.bank-verlag.de/, 383 pages, Art. 22.489-1300, ISBN 978-3-86556-285-2.

Whether in municipalities of “strengthening pact” or countries of “bailouts” is spoken, the underlying problems are similar: In any case, it is about imminent payment difficulties in formerly believed to be “absolutely safe” debtors.

The political decision to weight the risk of public debtors with “zero” for capital adequacy purposes makes a municipal rating in no way expendable for economic reasons.

The book deals for the first time with the topic of local finances from the perspective of the rating. Instead of theoretical modeling, practical solutions are discussed, especially from the perspective of those affected, the mayors and city treasurers.

Oliver Everling und Michael Munsch (Herausgeber): Kommunalrating: Finanzierung von Städten und Gemeinden sichern, 1. Auflage Köln 2013, Bank-Verlag, http://www.bank-verlag.de/, 383 Seiten, Art.-Nr. 22.489-1300, ISBN 978-3-86556-285-2.

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Transparency Rating: Paths to Efficient Analysis and Valuation of Corporate Accounting

Books

Oliver Everling, Peter Schaub and Rolf Stephan (publisher): Transparency Rating: Paths to Efficient Analysis and Valuation of Corporate Accounting (German Edition), Gabler Verlag – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de/, 242 pages , Wiesbaden 2012, ISBN 978-3-8349-3365-2.

The contributions of the anthology revolve around the financial reporting of companies from the different perspectives of the authors. The authors not only outline challenges and issues, but also present solutions to increase the transparency and efficiency of corporate accounting, as well as their rating and assessment through systematic rating.

By linking the idea to the idea of comparing and classifying alternatives, the reader should be offered a publication that is scientifically sound, but rather as a practice-oriented compendium with concrete benefits in terms of the links between financial communication, accounting, and company management.

Oliver Everling, Peter Schaub und Rolf Stephan (Herausgeber): Transparenzrating: Wege zur Effizienten Analyse und Bewertung der Rechnungslegung von Unternehmen (German Edition), Gabler Verlag – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de/, 242 Seiten, Wiesbaden 2012, ISBN 978-3-8349-3365-2.

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Rating Health Insurance

Books

Thomas Adolph, Oliver Everling and Marco Metzler (Editor): Rating health insurance: performance ratings and management as key factors, Springer Gabler Verlag, Wiesbaden, http://www.springer-gabler.de/, 3rd edition, 416 pages, Wiesbaden 2017 , ISBN 978-3-8349-4752-9.

Statutory health insurance companies and private health insurers have to deal with their future viability: Consolidation and concentration on the central requirements of legislators and insured persons are the consequence. Based on the patient or insured perspective and their criteria for choosing the right insurance, the articles in this anthology show how health insurance companies can adapt to the demands of the future.

Special attention is given to the performance evaluations and the possibilities of granting additional services beyond the legal minimum. As a publication volume, the present title is the first book of its kind and offers contributing authors the opportunity to convey their assessment approaches, prerequisites, processes, requirements and expectations to a broader specialist audience.

Thomas Adolph, Oliver Everling und Marco Metzler (Herausgeber): Krankenversicherung im Rating: Leistungsbewertungen und Management als Schlüsselfaktoren, Springer Gabler Verlag, Wiesbaden, http://www.springer-gabler.de/, 3. Auflage, 416 Seiten, Wiesbaden 2017, ISBN 978-3-8349-4752-9.

Thomas Adolph, Oliver Everling und Marco Metzler (Herausgeber): Krankenversicherung im Rating – Leistungsbewertungen und Management als Schlüsselfaktoren, Springer Gabler Verlag, Wiesbaden, http://www.springer-gabler.de/, 2. Auflage, 357 Seiten, Wiesbaden 2014, ISBN 978-3-8349-4579-2.

Thomas Adolph, Oliver Everling und Marco Metzler (Herausgeber): Krankenversicherung im Rating – Leistungsbewertungen und Management als Schlüsselfaktoren, Gabler Verlag – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de/, 358 Seiten, Wiesbaden 2012, ISBN 978-3-8349-2633-3.

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Credit Analyst

Analysts, Books, Certifications, Regulations

Oliver Everling, Jens Leker and Stefan Bielmeier (Publisher): Credit Analyst, Oldenbourg Wissenschaftsverlag, Munich, http://www.oldenburg-verlag.de/, bound edition, 2nd edition 2012, 402 pages, ISBN 978-3-486 -71314-5.

The escalation of the financial crisis has brought changes in hardly any other area as quickly as in the credit analysis. Basel’s banking regulatory requirements set new framework conditions for banks’ lending business after the financial crisis. At the same time, a variety of credit products have become increasingly important on the capital markets, from corporate bonds to securitisations. The credit and capital markets are growing ever closer together in the globalization process. Credit risks must be analyzed and managed – in banks as well as on the capital market, with both institutional and private investors. More professionalism protects market participants from the consequences of credit crises.

The leading training for credit and capital market specialists in the German-speaking region of the renowned DVFA German Association for Financial Analysis and Asset Management thus continues to gain in importance. The second edition of this book reflects the claim of the DVFA to provide up-to-date knowledge.

As a professional association of investment professionals, DVFA has been implementing the proven postgraduate program CCrA – Certified Credit Analyst for many years. This encompasses both areas – the classic as well as the capital market-oriented lending business – and thus offers a comprehensive and practice-oriented qualification for specialists and executives.

The book is suitable for preparing for participation in the DVFA program, as a constant companion to the degree program, to deepen DVFA’s other education and training offerings, to complement the training of credit and capital market specialists, to refresh knowledge for practitioners and users generally to expand the financial knowledge of credit analysis skills.

Oliver Everling, Jens Leker und Stefan Bielmeier (Herausgeber): Credit Analyst, Oldenbourg Wissenschaftsverlag, München, http://www.oldenburg-verlag.de/, gebundene Ausgabe, 2. Auflage 2012, 402 Seiten, ISBN 978-3-486-71314-5.

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Financial Communication: Opportunities Through Credit Mediation

Books

Frank Armbruster, Oliver Everling and Rainer Langen (publisher): Financial Communication: Opportunities through Credit Mediation, Bank-Verlag Medien GmbH, http://www.bank-verlag-medien.de/, Cologne 2011, Art. 22,474-1100, ISBN 978-3-86556-262-3.

At the end of 2009, the Federal Government of Germany decided to commission a credit intermediary with the implementation of the credit intermediation procedure. Since then, a number of different private-sector offers have been established on the market – all with the aim of building bridges of understanding between entrepreneurs and banks, overcoming misunderstandings in communication and providing solutions for goal-oriented cooperation in financing issues. Credit mediation should help to improve the supply of the middle class with credits. Credit mediators are independent mediators between the financial and real economy.

Proper financial communication is an essential part of successful corporate governance. Because good financial communication promotes the growth potential of a company and the associated employment effects. The bank does not know how the individual entrepreneur is “ticking”. The best way to solve this problem is to create a win-win situation for the bank and the entrepreneur. The loan mediator will help prepare for the bank conversation, analyze business models or provide public support programs.

Frank Armbruster, Oliver Everling und Rainer Langen (Herausgeber): Finanzkommunikation: Chancen durch Kreditmediation, Bank-Verlag Medien GmbH, http://www.bank-verlag-medien.de/, Köln 2011, Art.-Nr. 22.474-1100, ISBN 978-3-86556-262-3.

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Rating Exchange Traded Funds

Books

Oliver Everling and Götz Kirchhoff (publisher): Exchange Traded Fund Rating: Market Overview, Criteria and Practical Application, Bank-Verlag Medien GmbH, http://www.bank-verlag-shop.de/product_info.php/products_id/3030, Cologne 2011, 375 pages, Art. 22,472-1100, ISBN 978-3-86556-257-9.

Exchange-traded funds (ETFs) present investors with particular challenges in the assessment: Product quality, index quality as well as information quality and transparency play a special role.

ETF ratings combine qualitative and quantitative methods, partly objectified in scoring models, and condensed features into panel results.

Everling and Kirchhoff are now presenting the first book on the topic, which raises the understanding of ETF benchmarks and approaches and highlights the value of ETF ratings in investment practice.

Given the abundance of information available on the Internet about ETF rating, the book provides an overview and identifies the relevant information for the evaluation of ETFs among the many sales information.

Oliver Everling und Götz Kirchhoff (Herausgeber): Exchange Traded Fund-Rating: Marktüberblick, Einsatzkriterien und Praxiseinsatz, Bank-Verlag Medien GmbH, http://www.bank-verlag-shop.de/product_info.php/products_id/3030, Köln 2011, 375 Seiten, Art.-Nr. 22.472-1100, ISBN 978-3-86556-257-9.

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Rating Custodians and Master Investment Companies

Books

Volker Braunberger, Oliver Everling and Uwe Rieken (publisher): Rating of Custodians and Master-KAG: Investor Protection and Efficiency Enhancement for Institutional Investors, Gabler Verlag – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de, Wiesbaden 2011, 316 pages , ISBN 978-3-8349-2578-7.

The book shows institutional investors how to use the design options that have been allowed since the Circular on Banking Supervision in practice. Testimonials, as well as contributions on future perspectives and new ideas present ways to assess and implement master investment company concepts. A rating of master investment trusts and custodian banks examines the extent to which cooperation with international asset managers is facilitated, the uniformity of the reporting of several asset managers, the inclusion of proprietary investments in consolidated reporting, and the reduction of depreciation risks. Making the right decisions about the custodian and master investment company can make distributions more flexible and easier to manage asset exchanges.

Volker Braunberger, Oliver Everling und Uwe Rieken (Herausgeber): Rating von Depotbank und Master-KAG: Anlegerschutz und Effizienzsteigerung für institutionelle Kapitalanleger, Gabler Verlag – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de, Wiesbaden 2011, 316 Seiten, ISBN 978-3-8349-2578-7.

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Rating in the Leasing Business

Books

Hans-Michael Heitmüller, Marijan Nemet and Oliver Everling (Publisher): Rating in the Leasing Business: Significance and Requirements Against the Background of Current Market Developments, Fritz Knapp Verlag GmbH, http://www.knapp-verlag.de/, Frankfurt am Main 2010 , 363 pages, ISBN 978-3-8314-0834-4.

The rating of leasing companies is becoming increasingly important. Because of the financial crisis, the refinancing of leasing companies is made more difficult. This makes the rating a success factor for them in the context of a broader investor approach. But even rating judgments are not free of criticism and contradiction. Appropriate standards must therefore be discussed and questioned as well as the optimal operating structure and size of the leasing company itself. The requirements for operations management and especially for risk management are constantly increasing.

For the first time in the literature, the rating of leasing companies is addressed in this book. Here, the focus is on opportunities and default risks, as they are to be assessed according to Basel II using rating scales. The aim is to clarify the procedures and assessment benchmarks with regard to leasing companies, to show approaches to implementation and to clarify the benefits and functions of ratings for leasing companies in addition to legal, tax and technical aspects.

The book is a valuable guide for anyone involved in investment and finance issues related to leasing companies. In other words, executives and professionals in banking, insurance, accounting and tax consulting firms, consulting and IT companies, law firms, regulators and authorities, credit rating agencies and research firms, and universities benefit from this book.

Hans-Michael Heitmüller, Marijan Nemet und Oliver Everling (Hrsg.): Rating im Leasinggeschäft: Bedeutung und Anforderungen vor dem Hintergrund aktueller Marktentwicklungen, Fritz Knapp Verlag GmbH, http://www.knapp-verlag.de/, Frankfurt am Main 2010, 363 Seiten, ISBN 978-3-8314-0834-4.

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Rating Accounts Receivable

Books

Grit S. Becker and Oliver Everling (Editor): Rating Accounts Receivable: Correctly assess the creditworthiness of business partners, Gabler publishing house – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de/, 1st edition, Wiesbaden 2010, 233 pages, ISBN 978 -3-8349-2070-6.

The financial and economic crisis presents politicians with unprecedented challenges of unprecedented scope. The globalization of financial markets and the internationalization of financial relations have reached a level that not only politicians, but also the business community is confronted with unexpected questions and the task of finding new approaches for the identification and management of risks.

While once in national economies with manageable external relations the risks were identifiable and manageable, which result from crisis-driven developments abroad, there is no way of recognizing that even small and medium-sized enterprises can be affected by undesirable developments in other markets even if, as the crisis has shown since 2007, they are starting in segments that initially appear to be as limited as the so-called subprime markets in the USA.

In times of economic improvement, Germany also failed to pursue fiscal consolidation geared towards fiscal consolidation. At the same time, the fiscal conditions for SMEs have not improved over many years. The result is low equity ratios in international comparison. The strengthening of the self-financing capacity of small and medium-sized enterprises is slow due to the currently limited scope for fiscal policy, since first of all crisis management and capping of new debt must be in the foreground. Despite the progress already made in terms of average capital ratios in SMEs, all measures and instruments that are aimed at strengthening the resilience of the economy in times of crisis are important.

Grit S. Becker und Oliver Everling (Herausgeber): Debitorenrating: Bonität von Geschäftspartnern richtig einschätzen, Gabler Verlag – Springer Fachmedien Wiesbaden GmbH, http://www.gabler.de/, 1. Auflage, Wiesbaden 2010, 233 Seiten, ISBN 978-3-8349-2070-6.

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Domestic and Foreign Credit Theory Studies and Standardization Practices

Books

Oliver Everling, Yan Yin and Yusi Ding (Associate Chief Editor, http://www.cnis.gov.cn/): Domestic and Foreign Credit Theory Studies and Standardization Practices, Technical Book Series on Standardization of Social Credit in China, Chen, Yuzhong, und Qian, Yumin (Chief Editor), compiled by National Technical Working Group on Credit of Standardization Administration of China (http://www.sac.gov.cn/), China Metrology Publishing House, Beijing, 1. edition, August 2010, 420 pages, ISBN 978-7-5026-3332-5.

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Risk Profiling of Investors: Analyze Customer Profiles and Use Them in Consulting

Books

Oliver Everling and Monika Müller (publisher): Risk profiling of investors: aptly analyze customer profiles and use them in consulting, Bank-Verlag Medien GmbH, Cologne, http://www.bank-verlag-shop.de/product_info.php/products_id/ 869, 1st edition 2009, 534 pages, item no. 22,443-0900, ISBN 978-3-86556-222-7.

Consultants must ensure that their investment recommendation matches the risk type and viability of the client.

Both economic and psychological aspects are important. An economic aspect of the risk assessment is, for example, the financial situation of the customer, which represents an important cornerstone of MiFID-compliant advice. These include the individual income and assets situation as well as necessary risk buffers. The psychological component deals with the customer’s risk attitude, the previous personal experiences, assessments and personality traits such as risk affinity or safety awareness.

The book presents the most important risk profiling methods and systems for investors, in particular the business and legal scope of concepts, investors’ risk preferences for investigation and documentation.

Oliver Everling und Monika Müller (Herausgeber): Risikoprofiling von Anlegern: Kundenprofile treffend analysieren und in der Beratung nutzen, Bank-Verlag Medien GmbH, Köln, http://www.bank-verlag-shop.de/product_info.php/products_id/869, 1. Auflage 2009, 534 Seiten, Art.-Nr. 22.443-0900, ISBN 978-3-86556-222-7.

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Practical Guide to Ratings of Real Estate Portfolios

Books

Oliver Everling and Raphael Slowik (Editor): Practical Guide to Ratings of Real Estate Portfolios, Immobilien Manager Verlag, Cologne, http://www.immobilienmanager.de/, bound edition, 1st edition 2009, 456 pages, ISBN 978-3-89984-197-8.

The book is in the German-speaking world and probably also internationally the first book for the rating of real estate portfolios. Since real estate is increasingly being actively managed by companies, (regional) corporations and foundations as an own asset class, it depends on the valuation and assessment standards that affect both the individual property / project and the portfolio as a whole.

The approaches that have been developed to this end, despite the growing interest of investors, who have to form judgments under more and more direct and indirect variants of the real estate investment, have so far been little known. The book shows the most important procedures and systems of the rating and aims in particular at the business management and legal design possibilities of real estate transactions for the optimization of real estate portfolios. The book sets standards in relation to the relevant questions and starting points.

Oliver Everling und Raphael Slowik (Herausgeber): Praxishandbuch Rating von Immobilienportfolios, Immobilien Manager Verlag, Köln, http://www.immobilienmanager.de/, gebundene Ausgabe, 1. Auflage 2009, 456 Seiten, ISBN 978-3-89984-197-8.

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Risk Performance Management: Opportunities for a Better Rating

Books

Reavis Mary Hilz-Ward and Oliver Everling (Publisher): Risk Performance Management: Opportunities for a Better Rating, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden, http://www.gabler-verlag.de/, hardcover, 1st edition 2009, 315 pages, ISBN 978-3-8349-0726-4.

Reavis Mary Hilz-Ward und Oliver Everling (Herausgeber): Risk Performance Management: Chancen für ein besseres Rating, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de/, gebundene Ausgabe, 1. Auflage 2009, 315 Seiten, ISBN 978-3-8349-0726-4.

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Rating for Information and Communication Technology Companies

Books

Oliver Everling: Rating for ICT companies, Hessian Ministry of Economic Affairs, Transport and Regional Development, HA Hessen Agentur GmbH, Editorial Team: Dr. Oliver Everling, Dr. Matthias Donath, Wolf-Martin Ahrend and Gabriele Gottschalk, Wiesbaden 2009, http://www.hessen-it.de, hessen-media Volume 53, 166 pages, ISBN 978-3-939358-53-4.

Oliver Everling: Rating für IKT-Unternehmen, Hessisches Ministerium für Wirtschaft, Verkehr und Landesentwicklung, HA Hessen Agentur GmbH, Redaktionsteam: Dr. Oliver Everling, Dr. Matthias Donath, Wolf-Martin Ahrend und Gabriele Gottschalk, Wiesbaden 2009, http://www.hessen-it.de, hessen-media Band 53, 166 Seiten, ISBN 978-3-939358-53-4.

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Rating of Retail Real Estate

Books

Oliver Everling, Olaf Jahn and Elisabeth Kammermeier (publisher): Rating of Retail Real Estate: Quality, Potential and Risks Safe Assessment, Betriebswirtschaftlicher Verlag Dr. med. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, hardcover, 1st edition 2009, 580 pages, ISBN 978-3-8349-0912-1.

Retail real estate, especially shopping centers, are important factors in business life – as trading platforms and therefore also as an investment opportunity. Their economic success is very important to a large number of interest groups. Not only investors, but also traders themselves, retailers, industry service providers, and cities and communities. It shows that reliable valuations and appraisals of retail real estate are highly significant information for a large group of people.

The aim of this book is to provide the reader with all the procedures and standards that are important in the assessment of retail real estate, and thus an investment decision. Essentially, it is important to make the economically important figures transparent, but also the legal, tax and technical aspects are examined in detail.

The broad spectrum of participating authors from financial institutions, facility management, the consulting world and the retail trade itself provides a perspective-rich and comprehensive presentation. The book is interesting for all potential tenants and investors, but also for local authorities.

Oliver Everling, Olaf Jahn und Elisabeth Kammermeier (Herausgeber): Rating von Einzelhandelsimmobilien: Qualität, Potenziale und Risiken sicher bewerten, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, gebundene Ausgabe, 1. Auflage 2009, 580 Seiten, ISBN 978-3-8349-0912-1.

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Credit Analyst

Books

Oliver Everling, Klaus Holschuh and Jens Leker (Editor): Credit Analyst, Oldenbourg Wissenschaftsverlag, Munich, http://www.oldenbourg.de, hardcover, 1st edition 2009, 386 pages, ISBN 978-3-486-58688- 6.

The requirements of Basel II set completely new conditions for the lending business. At the same time, a variety of credit products have become increasingly important on the capital markets, from corporate bonds to securitization. The credit and capital markets are growing ever closer together.

Credit risks must be analyzed and managed – in banks as well as on the capital market. More professionalism protects market participants from the consequences of credit crises. The leading training for credit and capital market specialists in the German-speaking region of the renowned DVFA German Association for Financial Analysis and Asset Management thus continues to gain in importance.

As a professional association of investment professionals, DVFA has been implementing the proven postgraduate program CCrA – Certified Credit Analyst for many years. This encompasses both areas – the classic as well as the capital market-oriented lending business – and thus offers a comprehensive and practice-oriented qualification for specialists and executives.

The book is suitable for preparing for participation in the DVFA program, as a constant companion to the degree program, to deepen DVFA’s other education and training offerings, to complement the training of credit and capital market specialists, to refresh knowledge for practitioners and users generally to expand the financial knowledge of credit analysis skills.

Oliver Everling, Klaus Holschuh und Jens Leker (Herausgeber): Credit Analyst , Oldenbourg Wissenschaftsverlag, München, http://www.oldenbourg.de, gebundene Ausgabe, 1. Auflage 2009, 386 Seiten, ISBN 978-3-486-58688-6.

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Bank Risk Management: Minimum Requirements, Instruments and Strategies for Banks

Books

Oliver Everling and Samuel S. Theodore (publisher): Bank Risk Management: Minimum Requirements, Instruments and Strategies for Banks, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, hardcover, 1st edition 2008, 595 pages, ISBN 978-3-8349-0512-3.

Oliver Everling und Samuel S. Theodore (Herausgeber): Bankrisikomanagement: Mindestanforderungen, Instrumente und Strategien für Banken, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, gebundene Ausgabe, 1. Auflage 2008, 595 Seiten, ISBN 978-3-8349-0512-3.

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Certified Rating Analyst

Books

Oliver Everling (Editor): Certified Rating Analyst, Oldenbourg Science Publishing, Munich, http://www.oldenbourg.de, hardcover, 1st edition 2008, 562 pages, ISBN 978-3-486-58287-9.

Oliver Everling (Herausgeber): Certified Rating Analyst, Oldenbourg Wissenschaftsverlag, München, http://www.oldenbourg.de, gebundene Ausgabe, 1. Auflage 2008, 562 Seiten, ISBN 978-3-486-58287-9.

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Buy, Rent and Lease in the Rating

Books

Christoph J. Börner, Oliver Everling and Robert Soethe (publisher): Buy, Rent and Lease in the Rating: Assessing the Financing Paths of Long-lived Assets Reliably, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, hardcover, 1st edition 2008, 305 pages, ISBN 978-3-8349-0543-7.

Businesses depend on the use of long-lived assets in their business activities. In addition to the purchase here offer the procurement options in connection with rental and leasing contracts. However, which option is more effective for the respective company can hardly be assessed universally. The complexity of the comparison results from the diversity of objectives and instruments, the different expectations regarding usage patterns and cost structures.

The rating provides a new starting point for comparing the design options of purchase, rent and leasing. The impact of buying, renting or leasing in rating has become even more relevant to the financial management of any company since the entry into force of Basel II. This book systematizes from various perspectives the technical discussion of the effects of purchase, rent or leasing in the rating.

The main topics are:

  • Economic and legal bases
  • Design alternatives according to commercial and tax law as well as IFRS
  • Special features of individual asset classes (real estate, movables, intangible assets)
  • Design options in Ratings

Christoph J. Börner, Oliver Everling und Robert Soethe (Herausgeber): Kauf, Miete und Leasing im Rating:: Finazierungswege langlebiger Wirtschaftsgüter sicher beurteilen, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, gebundene Ausgabe, 1. Auflage 2008, 305 Seiten, ISBN 978-3-8349-0543-7.

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Rating in the Health Care Sector

Books

Oliver Everling and Dieter Kampe (Editor): Rating in the Health Care Sector: Key to Funding Hospitals, Clinics, Rehabilitation Facilities, Business Management Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, hardcover, 1st edition, November 2007, 204 pages, ISBN 978-3-8349-0418-8.

Drastic system change in the German hospital landscape: The introduction of the lump-sum payment until 2009 shifts the responsibility for the costs to the hospital owners. This puts the German hospitals before the most difficult challenge of the post-war period: In addition to the quality of medical care, the economic efficiency of the clinic operation is a central factor.

The investment funds of the state are scarce. The development of private sources of money is of immense importance. It depends crucially on credit rating and evaluation. This book helps clinicians and hospitals to prepare for the best possible source of capital. Experts from science and practice present concepts, criteria and standards for credit assessment in the health care sector. They offer promising solutions, as clinics, clinic associations and other medical institutions can create optimal conditions for financing by financial institutions giving money and other private investors.

Oliver Everling und Dieter Kampe (Herausgeber): Rating im Health-Care-Sektor: Schlüssel zur Finanzierung von Krankenhäusern, Kliniken, Reha-Einrichtungen, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, gebundene Ausgabe, 1. Auflage, November 2007, 204 Seiten, ISBN 978-3-8349-0418-8.

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Handbook Rating

Books

Hans E. Büschgen and Oliver Everling (Publisher): Handbook Rating, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, hardcover, 2nd, updated and expanded edition, March 2007, 843 pages, ISBN 978-3834903013.

Hans E. Büschgen und Oliver Everling (Herausgeber): Handbuch Rating, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, http://www.gabler-verlag.de, gebundene Ausgabe, 2., aktualisierte und erweiterte Auflage, März 2007, 843 Seiten, ISBN 978-3834903013.

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Rating Software

Books

Werner Gleißner, and Oliver Everling (publisher): Rating Software. Which Products Are Used by Whom ?, Verlag Franz Vahlen, http://www.vahlen.de, Munich 2007, 448 pages, ISBN 978-3-8006-3248-0.

For many medium-sized companies, the question of improving their own rating results is currently being raised, even if they want to compete for debt capital in the future after the Basel consultation paper comes into force in 2006. For this purpose, a variety of rating software offers already exist on the market.

However, as a rule, the software application does not provide sufficient transparency as to which evaluation methods and weighting of the partial results are carried out. Therefore, it makes sense to use a decision support in the choice of rating software and to evaluate the software used accordingly.

In Part I of the book, based on the methodology and the requirements of a rating based on the Basel II Accord, the requirements for a rating software are described by the publishers and their evaluation criteria are presented. In addition, the design variants of the software are systematized. Furthermore, the state and development tendencies of this expanding field of application are shown.

In Part II, well-known authors from the rating advisory sector compare and rate the rating software products available on the market. In doing so, both the scope and the system of presentation are strictly defined for the individual contributions in order to make the comparative assessment objective.

Parts III and IV present various rating software systems, highlighting both bank-specific features and the application of the software and concrete experience reports.

The book is best for specialists and executives of medium-sized companies, credit institutions, tax consultants, auditors and management consultancies.

Werner Gleißner, und Oliver Everling (Herausgeber): Rating-Software. Welche Produkte nutzen wem?, Verlag Franz Vahlen, http://www.vahlen.de, München 2007, 448 Seiten, ISBN 978-3-8006-3248-0.

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Financial Rating

Books

Ann-Kristin Achleitner, Oliver Everling and Karl A. Niggemann (Publisher): Financial Rating: Design Options for Improving the Creditworthiness, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden, 1. edition January 2007, http://www.gabler-verlag.de, hardcover, 275 pages, ISBN 978-3-8349-0245-0.

Within the scope of corporate financing, there is a need for each company to document its own balance sheet credit rating. Especially lenders need information about a company’s ability to meet its future payment obligations on time and in full. In this context, a financial rating represents an optimal instrument for the early recognition of impending financial risks for every entrepreneur and is the basis for preparing for negotiations with lenders. This book explains the hard facts and quantitative criteria that are important in the rating and is very practice-oriented. An important focus is the detailed presentation of the annual financial statements analysis and the balance sheet analysis in the rating.

Ann-Kristin Achleitner, Oliver Everling und Karl A. Niggemann (Herausgeber): Finanzrating: Gestaltungsmöglichkeiten zur Verbesserung der Bonität, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden, 1. Auflage Januar 2007, http://www.gabler-verlag.de, gebundene Ausgabe, 275 Seiten, ISBN 978-3-8349-0245-0.

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Succession Rating

Books

Ann-Kristin Achleitner, Oliver Everling and Stefan Klemm (publisher): Successor Rating: Rating as an Opportunity for Company Succession: Rating as an Instrument of Medium-sized Company Succession, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition January 2006, http://www.gabler-verlag.de, hardcover, 366 pages, ISBN 3-409-14327-0.

The topics “medium-sized business succession” and “rating” are closely interwoven. At the latest when the bank adapts the credit terms with the reference to the age and the unresolved succession question of the entrepreneur to the increased credit default risk from their point of view, it is worth analyzing the underlying relationships.

Basel II motivates banks to adjust the loan terms to the respective risk assessment of the borrower. At the same time, banking supervision does not stick to qualitative direction. Rather, it is precisely prescribed with how much equity the bank has to deposit loans of different risk classes. In addition, Basel II provides guidelines for the design of bank-internal rating systems.

The systematic recording and evaluation of factors such as an “existing emergency planning” or “existing succession planning” are the consequence. A lack of succession planning leads more frequently than before Basel II to significantly worse credit conditions up to the refusal of credits. Even the good personal relationship with the corporate customer service can not help here.

With the concretization of the Basel II guidelines by the banks and thus systematization of the evaluation of the credit risk, the leeway of the account managers disappears. Here we see a focus of the editorial volume – with up-to-date reference and direct assistance for the concerned entrepreneur. The present book shows internal views of the bank’s internal rating. The underlying regulations are presented and explained in detail. It will be shown where creative leeway opens up and how individual banks implement the requirements. This explanatory information is followed by concrete help for the entrepreneur. In doing so, the relation to succession is always established and the meaning of the controlled succession planning as an input parameter of the rating is reflected.

Ann-Kristin Achleitner, Oliver Everling und Stefan Klemm (Herausgeber): Nachfolgerating: Rating als Chance für die Unternehmensnachfolge: Rating als Instrument der mittelständischen Unternehmensnachfolge, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Januar 2006, http://www.gabler-verlag.de, gebundene Ausgabe, 366 Seiten, ISBN 3-409-14327-0.

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Basel II: Rating for IT-companies

Books

Oliver Everling: Basel II: Rating for IT Companies, Hessian Ministry of Economic Affairs, Transport and Regional Development, HA Hessen Agentur GmbH, Wiesbaden 1st edition 2006, http://www.hessen-it.de, hessen-media volume 53, 100 pages, ISBN 978-3-939358-53-4.

Oliver Everling: Basel II: Rating für IT-Unternehmen, Hessisches Ministerium für Wirtschaft, Verkehr und Landesentwicklung, HA Hessen Agentur GmbH, Wiesbaden 1. Auflage 2006, http://www.hessen-it.de, hessen-media Band 53, 100 Seiten, ISBN 978-3-939358-53-4.

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Capital Market Rating

Books

Oliver Everling and Jens Schmidt-Bürgel (publisher): Capital Market Rating: Perspectives for Corporate Financing, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition December 2005, http://www.gabler-verlag.de, hardcover, 318 pages, ISBN 3-409-14242-8.

The financing requirements for companies have changed considerably in recent years. There is a trend from bank-oriented to capital-market-driven financing culture, and corporate bonds are becoming an increasingly important form of financing. Capital market ratings reflect the ability and willingness of a company to fully and timely meet its payment obligations under its debt obligations. This makes them an important instrument for assessing and communicating the future viability of the issuer. For investors, capital market ratings are a tool to assess the credit risk of fixed income securities they wish to buy or sell. Leading investors worldwide rely on ratings, which in turn gives companies a secure and flexible way to raise capital.

In the anthology “Kapitalmarktrating” renowned experts give a practical insight into the process of capital market rating, prerequisites for a good rating, instruments and methods of risk identification and control.

Oliver Everling und Jens Schmidt-Bürgel (Herausgeber): Kapitalmarktrating: Perspektiven für die Unternehmensfinanzierung, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Dezember 2005, http://www.gabler-verlag.de, gebundene Ausgabe, 318 Seiten, ISBN 3-409-14242-8.

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Legal Issues in Ratings

Books, News, Notching, Platforms, Procedures, Registrations, Regulations, Repositories

Ann-Kristin Achleitner and Oliver Everling (Editor): Legal Issues in Ratings: Fundamentals and Implications of Ratings for Agencies, Investors and Companies Advised, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition November 2005, http://www.gabler-verlag.de, hardcover, 470 pages, ISBN 3-409-14314-9.

The issuing of ratings by external rating agencies as well as internal ratings are of increasing relevance for the refinancing processes as well as for investment decisions on the part of investors. The book outlines the main legal implications of ratings for agencies, investors and rated companies.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Rechtsfragen im Rating: Grundlagen und Implikationen von Ratings für Agenturen, Investoren und geratete Unternehmen, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage November 2005, http://www.gabler-verlag.de, gebundene Ausgabe, 470 Seiten, ISBN 3-409-14314-9.

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Insurance Rating

Books

Ann-Kristin Achleitner and Oliver Everling (Editor): Insurance Rating: Background – Structures – Processes, Betriebswirtschafter Verlag Th. Gabler, Wiesbaden 1st edition March 2005, http://www.gabler-verlag.de, hardcover, 400 pages, ISBN 3-409-12716-X.

In this anthology, renowned experts give a practical insight into the process of rating of insurance companies, approaches of rating agencies, requirements for a good valuation, tools and methods of risk identification and control.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Versicherungsrating: Hintergrund – Strukturen – Prozesse , Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage März 2005, http://www.gabler-verlag.de, gebundene Ausgabe, 400 Seiten, ISBN 3-409-12716-X.

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Start-up Rating

Books

Ann-Kristin Achleitner and Oliver Everling (Publisher): Start-up Rating: Rating of Young Companies (German Edition), Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition August 2004, http://www.gabler-verlag.de, hardcover, 516 pages, ISBN 3-409-12572-8.

The classification of the future opportunities of a start-up project by rating – presentation of the business fields, products and services, the prognosis of the incomes and expenditures, the calculation of essential characteristic numbers and the evaluation of financing instruments up to the description of expected market developments – help the company founder to understand his chances and properly evaluate his enterprise. A good rating result provides support in negotiations with investors.

This practice-oriented book goes a long way from the consideration of the rating events, rating instruments to the concrete benefit of the rating for start-ups. It also offers recommendations for action to improve the rating result and includes reports from successful start-up founders.

Professor Dr. Ann-Kristin Achleitner is holder of the KfW Endowed Chair for Entrepreneurial Finance and Scientific Director of the Center for Entrepreneurial and Finance Studies at the Technical University of Munich, Honorary Professor at the European Business School and Privatdozentin for Finance and Accounting at the University of St. Gallen.

Dr. Oliver Everling is the founder and owner of Everling Advisory Services, Frankfurt am Main, a provider of consulting services, publications and rating events. He is the publisher and author of numerous books and specialist articles on rating.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Existenzgründerrating: Rating junger Unternehmen (German Edition), Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage August 2004, http://www.gabler-verlag.de, gebundene Ausgabe, 516 Seiten, ISBN 3-409-12572-8.

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Rating ABC

Books

Oliver Everling and Ottmar Schneck: The Rating ABC, Weinheim 1st edition June 2004, Wiley -VCH Verlag GmbH & Co. KGaA, http://www.wiley-vch.de, 136 pages, ISBN 3-527-50126-6 ,

Oliver Everling und Ottmar Schneck: Das Rating ABC, Weinheim 1. Auflage Juni 2004, Wiley-VCH Verlag GmbH & Co. KGaA, http://www.wiley-vch.de, 136 Seiten, ISBN 3-527-50126-6.

Ottmar Schneck und Oliver Everling: Das Rating ABC, Köln 1. Auflage Juni 2004, Bank-Verlag GmbH, http://www.bank-verlag-shop.de, Artikel-Nummer 22.333-04, 136 Seiten, ISBN 3-86556-088-1.

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Rating Practice Manual

Books

Ann-Kristin Achleitner and Oliver Everling (Publisher): Rating Practice Manual: Answers to the Challenge Basel II, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition May 2004, http://www.gabler-verlag.de, hardcover, 952 pages, ISBN 3-409-12523-X.

How is the rating market organized? What is the best possible preparation for a rating? How can you use and improve ratings? Renowned experts point the way to optimal credit rating and favorable conditions.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Handbuch Ratingpraxis: Antworten auf die Herausforderung Basel II, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Mai 2004, http://www.gabler-verlag.de, gebundene Ausgabe, 952 Seiten, ISBN 3-409-12523-X.

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Bank Rating

Books

Oliver Everling and Karl-Heinz Goedeckemeyer (publisher): Bank Ratings: Banks under Scrutiny, Dr. Th. Gabler, Wiesbaden 1st edition April 2004, http://www.gabler-verlag.de, hardcover, 581 pages, ISBN 3-409-12513-2.

There is a close correlation between the rating of a bank or savings bank by a rating agency and the rating created by a credit institution: Only if the bank is able to correctly assess and manage its own risk potential can it receive a positive rating from a rating agency. This is of central importance, because credit rating agencies de facto dictate to banks on what conditions they can place financial instruments on the international money and capital markets and obtain capital and thus fulfill their economic functions.

In this anthology, renowned experts give a practical insight into the process of bank rating, explain prerequisites for a good rating and explain instruments and methods of risk identification and control. The book also provides impulses for the theoretical discussion of the role of rating agencies.

Oliver Everling und Karl-Heinz Goedeckemeyer (Herausgeber): Bankenrating: Kreditinstitute auf dem Prüfstand, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage April 2004, http://www.gabler-verlag.de, gebundene Ausgabe, 581 Seiten, ISBN 3-409-12513-2.

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Fund Rating

Books

Ann-Kristin Achleitner and Oliver Everling (publisher): Fund Rating: Quality Measurement on the Test Bench – Methods, Criteria and Benefits, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition December 2003, http://www.gabler-verlag.de, hardcover, 338 pages, ISBN 3-409-15012-9.

Private and institutional investors are facing an ever-growing supply. More and more mutual funds are on offer. Against this background, the demand for the most compact and clear information on the quality of fund products is growing. For the first time, this book brings together the views of major rating agencies on the valuation of investment funds and asset managers and presents them independently. It is clear that there are still significant differences, and standards in the fund industry are evolving.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Fondsrating: Qualitätsmessung auf dem Prüfstand – Verfahren, Kriterien und Nutzen, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Dezember 2003, http://www.gabler-verlag.de, gebundene Ausgabe, 338 Seiten, ISBN 3-409-15012-9.

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Rating Advisory

Books

Ann-Kristin Achleitner and Oliver Everling (Editor): Rating Advisory: With Professional Advice to the Optimal Credit Rating, Dr. Th. Gabler, Wiesbaden 1st edition October 2003, http://www.gabler-verlag.de, 396 pages, hardcover, ISBN 3-409-15010-2.

Ann-Kristin Achleitner und Oliver Everling (Herausgeber): Rating Advisory: Mit professioneller Beratung zum optimalen Bonitätsurteil
, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Oktober 2003, www.gabler.de, 396 Seiten, gebundene Ausgabe, ISBN 3-409-15010-2.

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Rating Lexicon

Books

Oliver Everling and Walburga Sarcher: Rating Encyclopedia, Bank-Verlag Cologne 2003, http://www.bank-verlag.de, paperback, 188 pages, order number 22.297-02.

Oliver Everling und Walburga Sarcher: Rating-Lexikon, Deutscher Sparkassen Verlag, http://www.dsv-gruppe.de, FachBibliothek Finanzierung, 192 Seiten, Taschenbuch, IV-2003 301 021 000.

Oliver Everling und Walburga Sarcher: Rating-Lexikon, VÖB Service, Berlin 2003, http://www.voeb-service.de, Taschenbuch, 192 Seiten, ISBN-Nr. 3-927466-81-6.

Oliver Everling und Walburga Sarcher: Rating-Lexikon, Bank-Verlag Köln 2003, http://www.bank-verlag.de, Taschenbuch, 188 Seiten, Bestell-Nummer 22.297-02.

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Rating – Opportunity for SMEs According to Basel II

Books

Oliver Everling (Publisher): Rating – Opportunity for SMEs according to Basel II. Concepts for Credit Assessment, Key to Financing, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1st edition December 2001, http://www.gabler-verlag.de, hardcover, 700 pages, ISBN 3-409-11812-8.

As recently as the 1980s, ratings in the German-speaking world were regarded as a peculiarity of the US capital markets. At that time, ratings and rating agencies in at least 50 countries were also widespread outside the United States. At first it seemed that differences in the financial systems were responsible for the fact that ratings did not spread in Germany: the universal banking system here, the segregation banking system there. Too big were the opposites. On the one side of the Atlantic, virtually every company present on the capital market was already equipped with ratings, on the other side of which the circle of rated companies was limited to those that served the international financial markets. Even for this circle the relevance of ratings had to be questioned.

What benefit should be associated with the classification of globally known “first” addresses? So the creditworthiness of such companies in financial circles was long known! However, it was precisely the Siemens group that was the first address in the industry in Germany to be rated as an independent agency. “Rating” has long since developed into an indispensable business card on the international financial markets. Those who were above any credit rating found that rating was a crucial additional element of building trust among financiers. For business partners around the world, the rating is the essential signal for assessing the viability of a company.

Oliver Everling (Herausgeber): Rating – Chance für den Mittelstand nach Basel II. Konzepte zur Bonitätsbeurteilung, Schlüssel zur Finanzierung, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1. Auflage Dezember 2001, http://www.gabler-verlag.de, gebundene Ausgabe, 700 Seiten, ISBN 3-409-11812-8.

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Credit Rating by International Agencies

Books

Oliver Everling: Credit Rating by International Agencies, Dr. Th. Gabler, Wiesbaden 1991, http://www.gabler-verlag.de, bound issue, 349 pages, ISBN 3-409-14205-3.

This book is the first book in German language on the topic of credit rating by international agencies. The work was accepted for doctoral studies as an Inauguraldissertation at the University of Cologne. It is the first dissertation on rating. The book laid the foundation for hundreds of other scientific papers as well as doctoral theses and books.

Oliver Everling: Credit Rating durch internationale Agenturen , Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1991, http://www.gabler-verlag.de, gebundene Ausgabe, 349 Seiten, ISBN 3-409-14205-3.

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Technology Rating

Books

Oliver Everling, Sven-Matthias Riedel and Pierre Weimerskirch (publisher): Technology Rating: New Decision-Making Aids for High-Tech Investors, Dr. Th. Gabler, Wiesbaden 2000, http://www.gabler-verlag.de, hardcover, 301 pages, ISBN 3-409-11483-1.

Oliver Everling, Sven-Matthias Riedel und Pierre Weimerskirch (Herausgeber): Technology-Rating: Neue Entscheidungshilfen für Hightech-Investoren, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 2000, http://www.gabler-verlag.de, gebundene Ausgabe, 301 Seiten, ISBN 3-409-11483-1.

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Rating Manual

Books

Hans E. Büschgen and Oliver Everling (Editor): Rating Manual, Betriebswirtschaftlicher Verlag Th. Gabler, Wiesbaden 1996, http://www.gabler-verlag.de, bound issue, 710 pages, ISBN 3-409-14165-0.

Hans E. Büschgen und Oliver Everling (Herausgeber): Handbuch Rating, Betriebswirtschaftlicher Verlag Dr. Th. Gabler, Wiesbaden 1996, http://www.gabler-verlag.de, gebundene Ausgabe, 710 Seiten, ISBN 3-409-14165-0.

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Rating of Asset Management

Books

Oliver Everling and Jürgen Lampe (Publisher): Rating of asset management (Edition Frankfurt School), Springer Gabler Verlag, Wiesbaden, http://www.springer-gabler.de/, Wiesbaden 2018, ISBN 978-3-658-23792-9 ,

For the first time, this book provides an overview of practice-related assessment approaches for asset management. With respect to new information and communication technologies, it explains the impact of ratings, rankings and scoring on workflows, service processes and asset management efficiency. In addition, it discusses how communication between financial service providers and customers will change as a result of transparent assessment criteria. In this way, this work addresses the (customer) need for transparency of consulting services in the financial sector.

Oliver Everling und Jürgen Lampe (Herausgeber): Rating von Vermögensverwaltungen (Edition Frankfurt School), Springer Gabler Verlag, Wiesbaden, http://www.springer-gabler.de/, Wiesbaden 2018, ISBN 978-3-658-23792-9.

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Rating Referral Marketing Businesses

Books, Criteria, Experts

“There is no recognizable path ahead of us, but only behind us,” writes Gabi Steiner in her book “From Person to Person – Earning a Stable Income From Referral Marketing“. Any rating of the future prospects of a business model can only be based on the information that humanity has gathered to date. “Successful people,” Gabi Steiner points out, “act on the basis of verified information. Unsuccessful people act on the basis of unchecked prejudices.”

Is referral marketing a way to make money?

“It makes me sad when I hear that someone reduces this opportunity to earning money,” writes Gabi Steiner. Rather, she is concerned with ideal values, such as a high degree of freedom and independence, and a way to “make and maintain friendships, get to know other people, customs and, above all, the luxury of ‘time’ for health, family, friends and to have hobbies. “

By referral marketing, she understands “a simple concept to bring products directly from the manufacturer to the consumer, and money that is typically spent on conventional distribution and advertising sales methods is instead paid to those who bring others to the product for their own use.”

With entertaining examples, Gabi Steiner makes it clear that referral marketing is not about sales. Selling is much more the consequence of buying – when it comes to products that are suitable for everyone, this is okay for everybody.

The new information and communication technologies also make a consumer network possible online – with new dimensions for network marketing. For referral marketing, “what’s important, what we really need, what’s in the trend, is an industry with growth potential, with a future.” This is how Gabi Steiner outlines wellness, fitness, health and anti-aging or even “best aging”.

“Network marketing works best,” says Gabi Steiner, quoting Richard Poe, “if you just keep working face-to-face and heart-to-heart with people on a daily basis. The only glue that keeps a network together for a long time consists of friendship, loyalty and personal relationships. ” The perspectives of  computerized distribution channels are therefore limited.

The German pension system of the statutory pension insurance has now more in common with an illegal pyramid scheme than any serious offer in referral marketing. “A pyramid scheme in the unfair sense is given,” says Michael Strachowitz, a well-known network coach, “if the income of the already in the system members from the entrance fees of newly added members is denied, with the result that the system collapses immediately when no new members join. ” A serious system rules out this case.

Gabi Steiner shares in her book with the reader her love for referral marketing, “because it gives every person, regardless of age, gender, occupation, origin, the chance to be successful.” Machines replace muscles, computer brain, exclusively in humans remain emotions. In order to identify successful entrepreneurs – as Gabi Steiner explains using a circuit diagram – the question of the reason for their actions must be asked: “Anyone who has no reason to do something has a reason to do nothing!”

Emotions are transported with stories. Therefore, In Gabi Steiner’s concept stories play a big role, especially autobiographies. The book gives an insight into the “target collage”, as she calls it, of a successful entrepreneur. By giving a dream a date, it becomes a goal. Thinking and acting are components of success, so that there is no failure, but only success that did not occur early enough.

Gabi Steiner writes her book at a time when many people have forgotten to ask about the needs of their fellow human beings. People are already accustomed too much to adopt algorithms on the Internet, to recognize needs and to coat the visitors of websites with advertising. Her motto, on the other hand, is: “Find out what your counterpart wants and help him achieve that.”

Principles and values ​​play a major role. Gabi Steiner: “Paths arise when walking!” Anyone who understands Gaby Steiner’s book has not only learned a wealth of concepts and ideas and gained business insights, but has also acquired criteria for assessing a successful startup, because at its core, it is always about relationships between people. Successful entrepreneurs are people who, as multipliers, move many people – movement in the literal as well as figurative sense. “It’s not enough for something that it merely works, it’s important that it duplicates!”

Gabi Steiner brings to paper an astonishing amount of know-how in referral marketing. The reader may expect color and an entertaining reading that does not tire of scientific footnote apparatuses, but honors the ideas of profiled experts through fair quoting. With original terms such as “vaccination and snails technology”, Gabi Steiner makes it easy for readers to remember the many tools presented in the book. The book is recommended as an introduction and guide to referral marketing.

Practical example:
https://ww1.lifeplus.com/ingridlukas/de/de