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Basel III. Ein Überblick

Basel III. Ein Überblick

          
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About the Book

Studienarbeit aus dem Jahr 2013 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Technische Universität Dresden (Lehrstuhl für BWL, insb. Finanzwirtschaft und Finanzdienstleistungen), Veranstaltung: Seminar Capital Markets, Sprache: Deutsch, Abstract: "Seit dem letzten Basel-III-Monitoring zum Stichtag 30. Juni 2012 ist der prognostizierte Bedarf an hartem Kernkapital bei vollständiger Implementierung von Basel III für die deutschen Großbanken weiter gesunken - und zwar von rund 32 auf 14 Milliarden Euro. [...] Die regulatorischen Kernkapitalquoten der deutschen Großbanken sind stabil und reichen von zehn bis 18 Prozent" (MANAGER MAGAZIN ONLINE, 2013, Auslassung durch den Autor) Mit diesen Angaben zur Umsetzung der im Rahmen der Bankenregulierung geforderten Kapitalquoten wird Bafin-Chefin Elke König in einem Artikel des Manager Magazins Online am 28.05.2013 zitiert. Um diesen Quoten Bedeutung zu verleihen, sei an den eigentlichen Zweck des Finanzsektors erinnert. Das originäre Bankengeschäft besteht darin, finanzielle Mittel von Kleinanlegern (Privatkunden), welche ihr Geld sparen wollen, an größere Kreditnehmer (Unternehmen), die dieses wiederum sinnvoll investieren können, zu transferieren. Dieser berühmte Prozess der Finanzintermediation beruht jedoch essentiell auf einem Hebeleffekt, da die zu transferierenden Finanzmittel für die vermittelnde Bank Fremdkapital darstellen. Aus dieser Gegebenheit resultiert die traditionell geringe Eigenkapitalquote von Finanzinstituten, welche bisweilen wesentlich niedriger lag als im Zitat genannt. Fallen die Forderungen auf der Aktivseite einer Bankbilanz folglich aus, entstehen der betroffenen Bank schnell Probleme bei der Tilgung der Verbindlichkeiten auf der Passivseite und ein Bankrott wird nunmehr wahrscheinlicher. Sind derart gestresste Banken zusätzlich stark im globalen Finanzsystem vernetzt oder schlicht zu groß, um im System unbedarft die Insolvenz zu durchlaufen, kann es schnell zu einem Kollaps des globale


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Product Details
  • ISBN-13: 9783656672395
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 2 mm
  • Width: 148 mm
  • ISBN-10: 3656672393
  • Publisher Date: 16 Jun 2014
  • Height: 210 mm
  • No of Pages: 34
  • Series Title: German
  • Weight: 59 gr


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