@book { RatingAgenturenFluchoderSegen,
    title = "Rating-Agenturen. Fluch oder Segen?",
    author = "Mirko {Kruse}",
    year = "2014",
    publisher = "GRIN Verlag",
    address = "München, Germany",
    url = "https://www.hausarbeiten.de/document/278553"
}