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Übergang von Basel II zu Basel III. Neue Kapitalanforderungen für Banken

Übergang von Basel II zu Basel III. Neue Kapitalanforderungen für Banken

          
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About the Book

Bachelorarbeit aus dem Jahr 2012 im Fachbereich BWL - Investition und Finanzierung, Note: 1,5, Fachhochschule Nordhausen, Sprache: Deutsch, Abstract: Im Frühjahr 2007 zeichnete sich bereits durch die US-Immobilienkrise eine anbahnende Wirtschaftskrise ab. Im Jahr 2008 sprach man erstmals von einer Banken- und Finanzkrise, hervorgerufen durch eine Immobilienblase in den USA. Es liegt in der Natur einer Bank, ihr Risiko, das sie bei der Vergabe von Krediten an private, institutionelle oder staatliche Schuldner eingeht, quantitativ bestimmen zu wollen, um Erkenntnisse über die Höhe der deshalb notwendigen Sicherungsmaßnahmen zu gewinnen. Diese Sicherungsmaßnahmen bestehen hauptsächlich aus der Hinterlegung von Eigenkapitalreserven, mit welchen erwartete und unerwartete Verluste aus Finanzgeschäften aufgefangen werden sollen, ohne dass die wirtschaftliche Existenz der Bank dadurch bedroht wird. Nichtsdestotrotz funktioniert ein auf rein freiwilliger Basis beruhendes Sicherungssystem nicht zwangsläufig, wie der Fall der Herstatt-Bank präsentiert. Die Privatbank aus Köln brach im Juni 1974 infolge von Devisenspekulationen und gleichzeitig zu geringen Eigenkapitalrücklagen zusammen, was zu jener Zeit als die größte Bankenpleite der deutschen Nachkriegsgeschichte galt. Als sich derartige Zwischenfälle auch international häuften und die Wichtigkeit eines funktionierenden Bankensystems immer stärker herausgestellt wurde, haben es sich europäische Regierungen zur Aufgabe gemacht, ein einheitliches System an verpflichtenden Sicherungsmaßnahmen zu etablieren, welches die Stabilität des Bankensektors in Europa gewährleisten soll. Aus dieser Forderung resultierten im Laufe der Zeit bis zuletzt drei chronologisch umgesetzte Regelwerke, bestehend aus sich entwickelnden Finanzkennzahlpaketen. Diese Finanzkennzahlen stellen hauptsächlich Mindestanforderungen bezüglich der Hinterlegung bestimmter Kapitalarten dar, um mögliche Insolvenzen von Banken, welche aus Schuldnerausfällen resu


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Product Details
  • ISBN-13: 9783656618010
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 148 mm
  • ISBN-10: 3656618011
  • Publisher Date: 20 Mar 2014
  • Height: 210 mm
  • No of Pages: 66
  • Series Title: German
  • Weight: 95 gr


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