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Auswirkungen der Bevölkerungsentwicklungen auf Genossenschaftsbanken

Auswirkungen der Bevölkerungsentwicklungen auf Genossenschaftsbanken

          
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About the Book

Bachelorarbeit aus dem Jahr 2012 im Fachbereich VWL - Finanzwissenschaft, Note: 1,3, Otto-von-Guericke-Universität Magdeburg, Veranstaltung: BBA, Sprache: Deutsch, Abstract: Es vergeht kein Tag ohne mediale Schlagzeilen zu den Themen Rente, Bevölkerungsalterung oder Best Ager. Bei der Wahl zum Unwort des Jahres 2011 landete "Altersvorsorge" sogar auf Platz eins. All diese Themen drehen sich um den demografischen Wandel und seine Auswirkungen auf unsere Gesellschaft.2 Eine immer älter werdende Gesellschaft muss nicht zwangsläufig nur Nachteile mit sich bringen. So lebt und konsumiert der Bevölkerungsteil 50Plus heutzutage ganz anders als noch vor 30 Jahren. Beispielsweise werden viele Männer dieser Altersgruppe zum Wiedereinsteiger beim Motoradfahren. Die neuesten Statistiken des Kraftfahrtbundesamtes belegen sogar, dass mehr Autos auf 70-79-jährige zugelassen werden als auf 18-bis 30-jährige.3 Auch in der Finanzbranche ist das Thema in den letzten Jahren mehr und mehr in den Fokus gerückt. Neue Herausforderungen, wie z. B. die Absicherung des Langlebigkeitsrisikos oder die des Vermögensmanagements über den Rentenbeginn hinaus, kommen auf Banken zu. Die höchsten Vermögenszuflüsse, vordergründig aus Lebensversicherungen und Erbschaften, finden im Alter zwischen 50 und 70 Jahren statt. Zusätzlich sind viele Haushalte in dieser Lebensphase fast schuldenfrei. Die Gesellschaft für Konsumforschung fand im Rahmen einer Studie 2007 heraus, dass die 50- 59-Jährigen die meisten Mehrfachbankverbindungen haben. Früher galten die älteren Kunden als einfach, leicht zufrieden zu stellen und ziemlich träge in ihrer Wechselwilligkeit. Das hat sich nun entscheidend geändert.4 [...] 1 Bundespressekonferenz 20.08.2006 2 Vgl. Oestmann (2010), S. 7. 3 Vgl. Agentur für Generationen-Marketing (2010), S. 5. 4 Vgl. ebenda, S. 25.


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Product Details
  • ISBN-13: 9783656433453
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 148 mm
  • ISBN-10: 3656433453
  • Publisher Date: 25 Jun 2013
  • Height: 210 mm
  • No of Pages: 62
  • Series Title: German
  • Weight: 91 gr


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