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Bankmeldewesen im Wandel. Leverage Ratio, Liquidity Coverage Ratio und Net-Stable-Funding Ratio: Darstellung, Optimierung und Auswirkungen auf die Geschäftspolitik der Banken

Bankmeldewesen im Wandel. Leverage Ratio, Liquidity Coverage Ratio und Net-Stable-Funding Ratio: Darstellung, Optimierung und Auswirkungen auf die Geschäftspolitik der Banken

          
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About the Book

Bachelorarbeit aus dem Jahr 2017 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Hochschule für Wirtschaft und Recht Berlin, Sprache: Deutsch, Abstract: Diese Arbeit untersucht die Auswirkungen der neuen Anforderungen auf die Geschäftspolitik der Banken, insbesondere aber auf die Ertragslage der Institute. Die Arbeit schildert außerdem Optimierungsmaßnahmen, die von Banken ergriffen werden können, um die geschäftspolitischen Ziele weiterhin zu erreichen und gleichzeitig die neuen Anforderungen zu erfüllen. Die jüngsten Schlagzeilen über die heikle Situation einer spanischen Bank sorgen für Angst vor einer zukünftigen Bankenkrise. Der Grund für die kritische Situation des spanischen Kreditinstituts war eine signifikante Verschlechterung der Liquiditätslage in der kürzeren Vergangenheit des Instituts, sodass unsicher war, ob die Bank in der nahen Zukunft ihre Schulden und Verbindlichkeiten hätte bedienen können, was die Einlagen der Kunden in Gefahr brachte. Ein weiteres Problem der Bank ist jedoch ein Bestand von noch 37 Milliarden Euro an notleidenden Krediten aufgrund des Zusammenbruchs des spanischen Immobilienmarkts im Zuge der Finanzkrise von 2008, dessen Risiko nicht mit genügend Eigenkapital abgedeckt ist. Die oben geschilderte Situation verdeutlicht zwei grundlegende Herausforderungen, denen Banken sich stellen müssen. Zum einen verdeutlicht der benannte Fall die hohe Relevanz von Liquidität für die Überlebensfähigkeit der Kreditinstitute und zum anderen zeigt der hohe Bestand an risikoreichen Aktiva, wie wichtig es für Banken ist, genügend Eigenkapital zur Absicherung von Risiken vorzuhalten. Das zweite beschriebene Problem, das der zu geringen Eigenkapitalvorhaltung, soll mit der Einführung einer der Leverage Ratio (LR - Höchstverschuldungsquote) gelöst werden. Diese soll dafür sorgen, dass die Kreditinstitute, ungeachtet des Risikos der einzelnen Positionen, genügend Eigenkapital zur Absicherung der eingegangenen Risiken besitzen. Ebenso so


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Product Details
  • ISBN-13: 9783668555891
  • Publisher: Bod Third Party Titles
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 84
  • Spine Width: 5 mm
  • Weight: 122 gr
  • ISBN-10: 3668555893
  • Publisher Date: 10 Nov 2017
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Sub Title: Darstellung, Optimierung und Auswirkungen auf die Geschäftspolitik der Banken
  • Width: 148 mm


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Bankmeldewesen im Wandel. Leverage Ratio, Liquidity Coverage Ratio und Net-Stable-Funding Ratio: Darstellung, Optimierung und Auswirkungen auf die Geschäftspolitik der Banken
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