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Europäische Einlagensicherung EDIS. (De)Stabilisert die EU-Einlagensicherung die Finanzmärkte?

Europäische Einlagensicherung EDIS. (De)Stabilisert die EU-Einlagensicherung die Finanzmärkte?

          
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About the Book

Bachelorarbeit aus dem Jahr 2019 im Fachbereich VWL - Finanzwissenschaft, Note: 1,3, Universität Kassel, Sprache: Deutsch, Abstract: Im Rahmen dieser Arbeit werden die Auswirkungen einer vorgeschlagenen einheitlichen europäischen Einlagensicherung mithilfe analytischer Modelle und einem Vergleich mit dem US-amerikanischen Einlagensicherungssystem diskutiert. Es lässt sich der Schluss ziehen, dass mit einer gut ausgebauten Bankenaufsicht sowie einer Marktdisziplinierung der Banken die stabilisierenden Aspekte überwiegen. Die jüngste Finanzkrise hat bewiesen, wie wichtig die Einführung einer Europäischen Bankenunion als Ergänzung zur Europäischen Wirtschafts- und Währungsunion ist. Mit dem einheitlichen Aufsichts- und Abwicklungsmechanismus wurden die ersten beiden Säulen der Bankenunion bereits umgesetzt. Angelehnt an den Vorschlag der Europäischen Kommission soll eine einheitliche Einlagensicherung diese abschließen. Es ist jedoch umstritten, ob ein EU-weiter Charakter stabilisierende oder destabilisierende Auswirkungen auf die Finanzmärkte hat. Während das Vertrauen der AnlegerInnen gestärkt und Bank Runs verhindert werden können, bietet sie zugleich einen Anreiz für Moral-Hazard-Verhalten und sinkende Marktdisziplin. Es wird ein Modell von Diamond und Dybvig (1983) vorgestellt. Dieses erläutert, wie Bank Runs (dt. Bankansturm) zustande kommen und warum sich eine EU-weite Einlagensicherung positiv auf diese auswirkt. Zum anderen wird ein Modell von Gropp und Vesala (2004) betrachtet, das die Gründe von Moral-Hazard-Verhalten erklärt und zugleich Bedingungen erläutert, unter denen eine explizite Einlagensicherung dieses Verhalten reduziert. Hierbei handelt es sich unter anderem um eine erhöhte Marktüberwachung seitens der AnlegerInnen, die die Finanzinstitute disziplinieren soll. Es wird ein weiterer Lösungsansatz im Sinne der richtigen Anreizsetzung des Bankenmanagements angesprochen, sodass auch der Staat das Moral-Hazard-Verhalten von Banken reduzieren kann. Um


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Product Details
  • ISBN-13: 9783346258625
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 50
  • Spine Width: 3 mm
  • Width: 148 mm
  • ISBN-10: 3346258629
  • Publisher Date: 09 Sep 2020
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 77 gr


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