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"Crowdlending" als potentielle Gefahr für das traditionelle Bankgeschäft in den Bereichen der Geldanlage und Kreditvergabe

"Crowdlending" als potentielle Gefahr für das traditionelle Bankgeschäft in den Bereichen der Geldanlage und Kreditvergabe

          
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About the Book

Studienarbeit aus dem Jahr 2017 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,0, Hochschule für Wirtschaft und Recht Berlin, Sprache: Deutsch, Abstract: "Was dem einzelnen nicht möglich ist, das vermögen viele." Dieser Gedanke war bereits vor über 150 Jahren der Anfang einer neuen Bankenausrichtung und ist heute aktueller denn je. Um einen Kredit zu bekommen, ist die Bank längst nicht mehr der einzige Anlaufpunkt. Immer mehr junge sogenannte FinTechs drängen auf den Markt und versuchen offensiv Kunden von den traditionellen Kreditinstituten abzuwerben. Mit steigendem Erfolg. Ob es nun ein schnellerer Prozess, günstigere Konditionen oder die emotionale Bindung an das Projekt ist, immer mehr Privatpersonen und Firmen nehmen die Schwarmfinanzierung in Anspruch. Gerade Mittelständler, die Geld für einen neuen Transporter oder die Vorfinanzierung einer Produktion brauchen, kommen über solche Plattformen schneller und unbürokratischer ans Ziel als bei ihrer Hausbank, die oft zusätzliche Unterlagen verlangt und am Ende ggf. doch eine Absage erteilt. Zusätzlich ist die Erscheinung auf der Plattform und das Werben um Finanziers gleichzeitig Werbung für das Unternehmen bzw. das Projekt. Wie nebenbei werden Kunden, die Geld anlegen wollen, vom Bankberater zur Online-Plattform gelockt. Dort wirbt man mit weit über dem aktuellen Zinsniveau liegenden Renditen und verspricht eine einfache Geldanlage. Ziel dieser Arbeit ist es zu beurteilen, inwiefern sich Crowdlending-Plattformen zu einer ernsthaften Gefahr für traditionelle Banken im deutschsprachigen Raum sowohl im Bereich der Kreditvergabe als auch in der Geldanlage entwickeln können. Dazu wird hauptsächlich der deutsche Markt betrachtet. Zunächst soll eine Begriffsabgrenzung des Crowdlendings von den anderen Arten der Schwarmfinanzierung stattfinden. Danach wird auf aktuelle Probleme im Bankenmarkt eingegangen. Im nächsten Schritt wird die aktuelle Marktsituation beleuchtet und die Funktionsweise des Crowdlendings


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Product Details
  • ISBN-13: 9783668630741
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 38
  • Spine Width: 2 mm
  • Width: 148 mm
  • ISBN-10: 3668630747
  • Publisher Date: 14 Feb 2018
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 63 gr


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