banks’ granting
of credit. On the other hand, it neglects the fact that a credit economy would in any
case give rise to money as a medium of exchange (Thornton, 2000, 51ff.). Credit
promises are [...] granting of credit to the money-holding sector.
Unfortunately, many theoretical models do not explicitly distinguish between outside
(or base) money and inside money. Indeed, money and credit are linked [...] (inside) money might technically be linked to credit via the balance sheet
identity and despite the fact that many modern macro models explicitly deal with
credit (see section 3) or investigate money’s
Das European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem
zur Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Credit-Point wird [...] prüfen die jeweiligen Dozenten, ob die bereits abgelegten Fächer inhaltlich und bzgl. Umfang
(Credit Points bzw. Semesterwochenstunden) etc. den Anforderungen unserer Fächer entsprechen. Abhängig davon [...]
SPO-Nr.: Art des Moduls
Kind of Module
Umfang in ETCS-Leistungspunkte
Number of Credits
1 Allgemeine Pflichtfächer ECTS: 5
Ort
Location
Sprache
Language
Dauer des
𝑌(𝑡)
= 𝑎𝑛𝑓
𝑑0
(1+𝜋)𝑡
Therein 𝑑0 ≡ 𝐷0 𝑌0⁄ denotes the credit ratio at the beginning of the
credit period; D0 is the amount of the bank loan taken out, consisting
of the purchase [...] comes into consideration.
page
13
reasons: either because the credit institutions consider the credit risks
to be too high in the case the borrower's stress ratios have been
[...] lending segments, banks primarily justified the tightening by
what they perceived as an increase in credit risk."
II. Cash flow effects of interest rate shocks
What impact do higher nominal interest
listed in the module descriptions.
• Abbreviations:
ECTS = The European Credit Transfer and Accumulation System (ECTS) is a credit point system for
accreditation of course achievements.
SWS = Semeste [...] Prüfungsordnung = General Examination Regulations
• Workload:
According to the Bologna Process, a credit point is based on a workload of 25-30 hours. The number of
hours includes contact and attendance [...] and Scientific Methods
Mathematics
Classification Module ID Kind of Module Number of Credits (ECTS)
1.1 Mandatory 5
Location Language Duration of
Module
Frequency of Module Max
Das European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem
zur Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Credit-Point wird [...] prüfen die jeweiligen Dozenten, ob die bereits abgelegten Fächer inhaltlich und bzgl. Umfang
(Credit Points bzw. Semesterwochenstunden) etc. den Anforderungen unserer Fächer entsprechen. Abhängig davon [...]
SPO-Nr.: Art des Moduls
Kind of Module
Umfang in ETCS-Leistungspunkte
Number of Credits
1 Allgemeine Pflichtfächer ECTS: 5
Ort
Location
Sprache
Language
Dauer des
Methodenbasis des Credit Management – Teil 1, Lehrmaterialien zum Certified
Credit Manager.
Hock (2016), Scoring Modelle: 12 Fragen und Antworten, White Paper des Bundesverbandes für Credit Manage-
ment. [...] können den
Credit Manager dabei unterstützen und seine Effizienz steigern. Im Gegensatz zur
traditionellen Bonitätsprüfung, die maßgeblich auf den persönlichen Erfahrun-
gen des Credit Managers beruht [...]
1
Das Fortschreiten der digitalen Möglichkeiten verändert den Verantwortungsbe-
reich des Credit Managers nachhaltig. Die zunehmende Verfügbarkeit relevan-
ter Kundeninformationen wird den Blick
European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur
Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Leistungspunkt (credit point) wird [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.1 Pflichtmodul Fachstudium 5
Ort
Location
Sprache
Language
Dauer des Moduls [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.2 Pflichtmodul Fachstudium 5
Ort
Location
Sprache
Language
Dauer des Moduls
European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur
Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Leistungspunkt (credit point) wird [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.1 Pflichtmodul Fachstudium 5
Ort
Location
Sprache
Language
Dauer des Moduls [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.2 Pflichtmodul Fachstudium 5
Ort
Location
Sprache
Language
Dauer des Moduls
European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur
Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Leistungspunkt (credit point) wird [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.1 Pflichtmodul Fachstudium 5
Ort
Location
Sprache
Language
Dauer des Moduls [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.2 Pflichtmodul Fachstudium 5
Ort
Location
Sprache
Language
Dauer des Moduls
Das European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur
Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Leistungspunkt (credit point) wird [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
T1 Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
T2 Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of
with a total of 90 ECTS credits.
(2) The Master's thesis is written in the last semester of full-time study.
(3) 1Students with a first degree with 210 ECTS credits may begin their studies [...] not possible for students with an initial degree with 210 ECTS credits to begin their studies.
3
Students with
less than 210 ECTS credits in their first degree can only begin their studies in the winter [...] of study or an equivalent degree, the scope of which usually comprises 210 ECTS credits, but at least
180 ECTS credits. 2Graduates of a Bachelor's degree programme with less than 210 (but at least 180)
(Continue next page)
page
26 Malte Krueger and Franz Seitz
Credit and Capital Markets 1 / 2018
Cash Cards Debit Credit
Germany 2004 (€) 0.36 0.82 2.73
Belgium 1998 (€) 0.56 0.64 [...] (2013): Ein Drei-Punkte-Plan zur Reformierung der Geldpolitik, Credit and
Capital Markets 46-4, pp. 425–441.
– (2017): Money and credit: lessons of the Irish bank strike of 1970, ROME Discussion
Paper [...] :producer Adobe PDF Library 10.0.1
pdf:docinfo:created 2018-02-28T12:32:13Z
page
Credit and Capital Markets 1 / 2018
Pros and Cons of Cash: The State of the Debate
Malte Krueger
(mandatory) demand for central bank money on the part of the credit
institutions. However, central bank money can only be created if the credit institutions
transact with the central bank. There are [...] (A.1 in Chart 1) or the credit institutions borrow money
from the central bank (A.2a in Chart 1) or the central bank buys securities (government
bonds) from the credit institutions (A.2b in Chart [...]
P.1: Banknotes in circulation
A.2a: Loans to credit institutions
A.2b: Securities
P.2: Liabilities against credit institutions
A.3: Other factors P.3: Other factors
following Figure 8 shows the growth rates of (nominal) credit-to-GDP
ratio in the Euro area from 2000 to 2022. Credit is measured by total bank
credits to the non-financial sector (public and private-owned [...] 0
5
10
15
20
Growth rate of the Credit-to-GDP ratio
pe
rc
en
t
Credit-to-GDP ratio
Figure 8. Growth rates of the credit-to-GDP ratio in the Euro area. Source: own calculation [...] changes in the credit-to-GDP ratio. This policy rule seems to be more responsive than European
regulators are reacting to their target rate (deviations from the long-term growth rate of the
credit-to-GDP ratio)
following Figure 8 shows the growth rates of (nominal) credit-to-GDP
ratio in the Euro area from 2000 to 2022. Credit is measured by total bank
credits to the non-financial sector (public and private-owned [...] 0
5
10
15
20
Growth rate of the Credit-to-GDP ratio
pe
rc
en
t
Credit-to-GDP ratio
Figure 8. Growth rates of the credit-to-GDP ratio in the Euro area. Source: own calculation [...] changes in the credit-to-GDP ratio. This policy rule seems to be more responsive than European
regulators are reacting to their target rate (deviations from the long-term growth rate of the
credit-to-GDP ratio)
banks’ granting of credit. On the other hand, it neglects the fact that a
credit economy would in any case give rise to money as a medium of exchange
(Thornton, 2000, 51ff.). Credit promises are most [...] supply of credit to the money-holding
sector.4 Unfortunately, numerous theoretical models do not explicitly distinguish
between outside (or base) money and inside money. Indeed, money and credit are [...] though (inside) money might technically be linked to credit via the balance sheet
identity and despite many modern macro models explicitly deal with credit (see
section 3) or investigate money’s role
banks’ granting of credit. On the other hand, it neglects the fact that a
credit economy would in any case give rise to money as a medium of exchange
(Thornton, 2000, 51ff.). Credit promises are most [...] supply of credit to the money-holding
sector.4 Unfortunately, numerous theoretical models do not explicitly distinguish
between outside (or base) money and inside money. Indeed, money and credit are [...] though (inside) money might technically be linked to credit via the balance sheet
identity and despite many modern macro models explicitly deal with credit (see
section 3) or investigate money’s role
Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
AWPM 2
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of Module [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
AWPM 2
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of Module [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
AWPM 2
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of Module
European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur Anrechnung von
Studienleistungen.
SWS = Semesterwochenstunden
• Workload:
Nach dem Bologna-Prozess gilt: Einem Credit-Point [...] Modul-ID
Module-ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkten
Number of Credits
1.1 Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of Module [...] Modul-ID
Module-ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkten
Number of Credits
1.2 Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of Module
in das Hauptstudium ist berechtigt, wer das Grundstudium vollständig bestanden
oder mindestens 45 Credit Points erreicht hat.
(2) Der Eintritt in das praktische Studiensemester setzt voraus, dass [...] Grundstudiu Grundstudiu Grundstudiummmm
1 2 3 4 5 6 7 8 9 10
lfd.
Nr.
Fach SWS Credits Art der Lehr-
Veranstaltung
Prüfungen
Endnotenbildende
studienbegleitende
Le [...] europas
Stufe II
4 5 SU, Ü
schrP 90
mdl LN
1
SWS (Credits) insgesamt 48 60
page
Stand: 02Stand: 02Stand: 02Stand: 02/2008/2008/2008/2008
in the module descriptions.
• Abbreviations:
ECTS = The European Credit Transfer and Accumulation System (ECTS) is a credit point system for
accreditation of course achievements.
SWS = Semeste [...] Semesterwochenstunden = Semester hours per week
• Workload:
According to the Bologna Process, a credit point is based on a workload of 25-30 hours. The number of
hours includes the time spent at the [...] papers or preparing for examinations.
Example calculation of workload (course with 4 SWS, 5 ECTS credits):
Workload: 5 ECTS x 30 h/ECTS = 150 h
- Lecture (4 SWS x 15 weeks) = 60 h
25.03.2015 | Hochschulkommunikation
n bzw. Münchener Unternehmen nach Weiden gekommen sind. Prof. Dr. Thorsten Hock referierte über „Credit Management und Vertrieb zwischen Umsatz und Risiko“. Im Anschluss daran sprachen Bert Overlack von [...] t Unruh & Team über die „Bewältigung von Unternehmenskrisen“ und Rudolf Keßler über „Optimiertes Credit Management im Handel“. „Mit dem ‚Lieferantenkredit‘ griffen wir ein aktuelles Thema auf, das Unternehmern
Formalitäten sind in den Modulbeschreibungen aufgeführt.
• Abkürzungen:
ECTS Das European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur
Anrechnung von Studienleistungen [...] Geoinformatik (Studienrichtung)
• Workload:
Nach dem Bologna-Prozess gilt: Einem Credit-Point wird ein Workload von 25-30 Stunden zu Grunde
gelegt. Die Stundenangabe umfasst die Präsenzzeit [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
1.1 Grundlagenmodul / Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des
European Credit Transfer and Accumulation System (ECTS) ist ein Punktesystem zur
Anrechnung von Studienleistungen.
SWS = Semesterwochenstunden
Workload:
Einem Leistungspunkt (credit point) wird [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
T1 Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of [...] Modul-ID
Module ID
Art des Moduls
Kind of Module
Umfang in ECTS-Leistungspunkte
Number of Credits
T2 Pflichtmodul 5
Ort
Location
Sprache
Language
Dauer des Moduls
Duration of
use of trade credit (Petersen and Rajan 1994, Harhoff and Körting 1998).
Trade credit is a method of financing provided by suppliers to their clients. One form of trade
credit is to forgo discounts [...] difficult task. Taking the refusal of a
credit application as an indicator for financing constraints is not practical, because firms that did
not apply for a credit would be excluded from the analysis. [...] not available. Firms that rely heavily on trade credit are
therefore said to face financing constraints.
One could argue that the use of trade credit is not a good indicator for the presence of financing