Home > Business & Economics > Industry & industrial studies > Auswirkungen der Einführung des Gesetzes zur Reform des Kontopfändungsschutzes aus Sicht der Kreditinstitute
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Auswirkungen der Einführung des Gesetzes zur Reform des Kontopfändungsschutzes aus Sicht der Kreditinstitute

Auswirkungen der Einführung des Gesetzes zur Reform des Kontopfändungsschutzes aus Sicht der Kreditinstitute

          
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About the Book

Studienarbeit aus dem Jahr 2010 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Berufsakademie für Bankwirtschaft, Hannover, Veranstaltung: WbP03, Sprache: Deutsch, Abstract: Mit der Zunahme des bargeldlosen Zahlungsverkehrs, der heutzutage nahe-zu von jedem Bürger abverlangt, ein Girokonto bei einer Bank oder Sparkas-se zu führen, um die grundlegenden Zahlungsvorgänge des alltäglichen Le-bens für etwa Miete, Telekommunikation-, Energiekosten oder Versicherun-gen zu leisten, hat sich parallel aus Sicht des Gläubigers die Kontopfändung, als wichtigstes Instrument der Forderungsvollstreckung entwickelt. Oftmals ist das Einkommen des Schuldners das einzige erfolgsversprechende Voll-streckungsobjekt des Gläubigers. Aus Sicht des Schuldners ist dieses jedoch zur Sicherung des Lebensunterhaltes für sich und seine Familie existenziell notwendig. Im Falle einer Kontopfändung führt dies meist zu einer vollständigen Blocka-de des Kontos für den bargeldlosen Zahlungsverkehr und nicht selten auch zur Kündigung der gesamten Geschäftsverbindung durch das Kreditinstitut. Mit dem Gesetz zur Reform des Kontopfändungsschutzes vom 07.07.2009 wurde zum 01.07.2010 der bisherige Kontopfändungsschutz grundlegend reformiert und der Schuldnerschutz in den Vordergrund gestellt. Im Zentrum der Reform steht das neue Pfändungsschutzkonto. In dieser Ausarbeitung sollen die Aufgaben und Folgen für die Kreditinstitute im Zuge der Reform des Kontopfändungsschutzes herausgearbeitet werden. Im Zentrum der Analyse steht die Frage: Welche Auswirkungen hat die Ein-führung des P-Kontos und die neue Gesetzgebung auf den Aufgabenbereich der Banken?" Hierzu werden im ersten Schritt die Grundlagen der alten und neuen Gesetz-gebung zum Kontopfändungsschutz erörtert. Im zweiten Schritt wird das Pfändungsschutzkonto als zentrales Element des neuen Kontopfändungs-schutzes dargestellt. Anschließend werden die Aufgaben und Verpflichtun-gen der Kreditinstitute aufgezeigt und abschließend kritisch gewürdi


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Product Details
  • ISBN-13: 9783640833436
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 148 mm
  • ISBN-10: 3640833430
  • Publisher Date: 16 Feb 2011
  • Height: 210 mm
  • No of Pages: 60
  • Series Title: German
  • Weight: 91 gr


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Auswirkungen der Einführung des Gesetzes zur Reform des Kontopfändungsschutzes aus Sicht der Kreditinstitute
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