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Auslagerung von Aktivitäten des Kreditgeschäfts

Auslagerung von Aktivitäten des Kreditgeschäfts

          
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About the Book

Neue Anbieter und die zunehmende Transparenz auf dem Bankenmarkt führen zu steigendem Konkurrenzdruck und zu damit verbundenen sinkenden Zinsmargen. Um die dadurch fallenden Gewinne auszugleichen, suchen Kreditinstitute unter anderem nach Wegen zur Reduzierung ihrer Kosten. Eine Möglichkeit hierfür kann sich durch die Auslagerung der Kreditbearbeitung und/oder der Kreditentscheidung in eine Kreditfabrik ergeben. Diese Auslagerung kann den Kreditinstituten nicht nur die Chance zur Realisation von kurzfristigen Kostenvorteilen bieten, sondern kann auch zu einer Verbesserung ihrer Wettbewerbsposition führen. Für die Kreditinstitute sind mit einer Auslagerung zahlreiche Risiken, wie beispielsweise das Abhängigkeitsrisiko, verbunden. Diese Risiken machen eine sorgfältige und kritische Beurteilung und Auswahl der Kreditfabrik notwendig. Das Ziel der Arbeit ist die Analyse der Vorteilhaftigkeit einer Auslagerung der Kreditbearbeitung und/oder der Kreditentscheidung in eine Kreditfabrik. Einführend werden in der Arbeit die Begriffe Auslagerung/Outsourcing und Kreditfabrik definiert und charakterisiert. Anschließend wird geklärt, welche typischen Ziele ein Kreditinstitut mit der Auslagerung der Kreditbearbeitung und/oder der Kreditentscheidung in eine Kreditfabrik verfolgt. Dies sind: 1. Verbesserung des Kostenmanagements durch Senkung und Flexibilisierung der Kosten. 2. Verbesserung der Wettbewerbsposition durch: - Konzentration der durch die Auslagerung frei gewordenen Kapazitäten auf andere bankspezifische ertragsbringende Aufgaben. - Steigerung der Qualität der Kreditbearbeitung und der Kreditentscheidung. Bei der Auslagerung sind zudem gesetzliche und aufsichtsrechtliche Vorschriften zu beachten, die ebenfalls erläutert werden. Damit die Auslagerung für das Kreditinstitut grundsätzlich vorteilhaft ist, muss die Kreditfabrik dazu beitragen, dass das Kreditinstitut seine angestrebten Ziele erreichen kann. Bei der Entscheidung für oder gegen eine bestimmte Kreditfabrik
About the Author: Christa Einkammerer, Diplom-Kaufmann Univ., Studium der Betriebswirtschaftslehre an der Universität Passau. Abschluss 2007 als Diplom-Kaufmann Univ.


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Product Details
  • ISBN-13: 9783836652681
  • Publisher: Diplomica Verlag Gmbh
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 178 mm
  • ISBN-10: 3836652684
  • Publisher Date: 25 Sep 2007
  • Height: 254 mm
  • No of Pages: 72
  • Series Title: German
  • Weight: 145 gr


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Auslagerung von Aktivitäten des Kreditgeschäfts
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