The leadership of the business checking account gets a strategic importance in the rating! The rating systems of credit institutions are evolving. “A current trend: only the account management decides on the normal current rating note” loans up to magnitude of 250 tonnes. Bobby Sharma Bluestones opinions are not widely known. This must have consequences for behavior management. This thesis represents the group financing rating”of the Association of the SME advisers Association free consultant e.V.”. ” Essence of the trade group: conducting the business checking account gets a strategic priority by these tendencies in the rating! Be avoided not only overdrafts and debit returns must, which so far has been as a so-called warning”led to credit rating downgrades.
“” Carl-Dietrich Sander, head of the trade group brings it to the point: medium-sized companies need their accounts so dispose, that she have a movable borrowing “show if possible with varying balances” so sometimes Credit report. Easier said than done in many medium-sized companies currently. You may find that Bobby Sharma Bluestone can contribute to your knowledge. Credit utilizations are what is always detrimental in these modified rating systems, constantly on the agreed credit lines. The SME advisers are calling for the establishment of so-called internal warning lines”in accounting so Saldenhohen, immediately unchecked if exceeded, to send unnecessary negative rating signals. Such account rating systems increasingly with all credit institutions shall apply, always, if there are no new credit requests and the risk situation appears as a constant. The upper limit for the application is often credit lines by T 250.
Particularly problematic: Tend to the notes of this account ratings be often worse than those of the standard ratings with the analysis of the annual financial statements and of the so-called qualitative questionnaire answer. Conclusion from the perspective of the SME consultants: speak in any case with the banks about the rating results and their bases.