The purpose of these publications is to develop mutual understanding between regulatory authorities and banks with regard to the upcoming changes in banking. In this context, the Oesterreichische Nationalbank (OeNB), Austria's central bank, and the Austrian Financial Market Authority (FMA) see themselves as partners to Austria's credit industry....

1 Introduction 2 Credit Approval Process 3 Introduction 4 Segmentation of Credit Approval Processes 5 Basic Situation 6 Accounting for Risk Aspects 7 Approaches to the Segmentation of Credit Approval Processes ....