@misc{FeessHege2004, author = {Eberhard Feess and Ulrich Hege}, title = {The Basel II accord : internal ratings and bank differentiation}, booktitle = {Center for Financial Studies (Frankfurt am Main): CFS working paper series ; No. 2004,25}, number = {December 2004}, institution = {Center for Financial Studies (CFS)}, series = {CFS working paper series}, number = {2004, 25}, type = {workingpaper}, year = {2004}, }