@book { RatingEinekritischeAnalyse,
    title = "Rating - Eine kritische Analyse",
    author = "Jonas {Augustin}",
    year = "2011",
    publisher = "GRIN Verlag",
    address = "München, Germany",
    doi = "10.3239/9783640945368",
    url = "https://www.hausarbeiten.de/document/174199"
}