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Bankenstabilität: Erhöhung der Eigenmittelanforderungen in Basel III

Bankenstabilität: Erhöhung der Eigenmittelanforderungen in Basel III

          
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About the Book

Studienarbeit aus dem Jahr 2011 im Fachbereich BWL - Investition und Finanzierung, Note: 1,3, Fachhochschule Trier - Hochschule für Wirtschaft, Technik und Gestaltung, Sprache: Deutsch, Abstract: Banken sind ein wichtiger Bestandteil der Gesamtwirtschaft. Als Finanzintermediär vermitteln sie zwischen Kreditnehmern und Kreditgebern und sind durch Risikotransformation in der Lage, sichere Einlagen zu garantieren, obwohl die Rückzahlung von ausgegebenen Krediten in der Regel ungewiss ist. Dies ist eine wichtige Rolle im gesamtwirtschaftlichen Zusammenhang. Es hat sich im Laufe verschiedener Stressphasen abgezeichnet, dass einer Wirtschaftskrise meist Probleme im Bankensektor vorausgingen. In der Finanzkrise wurde deutlich, dass der Bankrott einer einzelnen Bank zu einer Kettenreaktion führen und es dadurch zur Destabilisierung des gesamten Finanzsektors kommen kann. Man bezeichnet diesen Zusammenhang als systemisches Risiko, wobei es mehr oder weniger systemrelevante Banken gibt. Eine Studie des Basler Ausschusses von 2010 bezüglich der langfristigen Auswirkungen von Kapitalregulierungen hat festgehalten, dass Bankenkrisen einen Einbruch des BIP um bis zu 60% zur Folge haben können und der Finanzsektor somit eng mit der Gesamtwirtschaft verflechtet ist. Durch die großen Rettungspakete vieler Länder stieg außerdem die Staatsverschuldung enorm. Dieser bedeutende Zusammenhang macht es insbesondere notwendig, die einzelnen Banken bestmöglich gegen Schocks resistent zu machen, so dass es gar nicht erst zu schwerwiegenderen Auswirkungen kommt. Die Stabilität von Banken wird vor allem durch die Quantität und Qualität ihres Eigenkapitals gewährleistet. Im folgenden Kapitel wird daher zunächst vor dem Hintergrund der momentan noch geltenden Basel II - Regelungen erläutert, welchen Risiken eine Bank generell gegenübersteht und wie diese aufsichtsrechtlich mit Eigenkapital unterlegt werden müssen. Des Weiteren werden die durch die Finanzkrise aufgedeckten Schwächen der aktuell


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Product Details
  • ISBN-13: 9783656216988
  • Publisher: Grin Verlag
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 2 mm
  • Weight: 45 gr
  • ISBN-10: 3656216983
  • Publisher Date: 19 Jun 2012
  • Height: 210 mm
  • No of Pages: 26
  • Series Title: German
  • Sub Title: Erhöhung der Eigenmittelanforderungen in Basel III
  • Width: 148 mm


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Bankenstabilität: Erhöhung der Eigenmittelanforderungen in Basel III
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