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Ist das Trennbanksystem ein Eckpfeiler der Finanzmarktstabilität im Euroraum?

Ist das Trennbanksystem ein Eckpfeiler der Finanzmarktstabilität im Euroraum?

          
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About the Book

Studienarbeit aus dem Jahr 2014 im Fachbereich VWL - Finanzwissenschaft, Note: 1,3, FOM Hochschule für Oekonomie & Management Essen, Standort Duisburg, Sprache: Deutsch, Abstract: Im Jahr 2008 wurde die Bankenbranche durch die Insolvenz der US-Bank "Lehman Brothers" massiv erschüttert. Die Insolvenz war die erste Folge der Finanzkrise, welche durch die sogenannte "Immobilienblase" ausgelöst wurde. Bis zu diesem Zeitpunkt gingen viele Experten davon aus, dass eine solch große Bank, mit einer Bilanzsumme von ca. 639 Mrd. Dollar, nicht in die Insolvenz geraten kann. Durch das fehlende Vertrauen drohte nun der Zusammenbruch des gesamten Banksystems. Die US-Regierung verabschiedete daher im Oktober 2008 ein rund 700 Mrd. US-Dollar schweres Rettungspaket für die Banken. Obwohl die Krise durch die US-Bank "Lehmann Brothers" ausgelöst wurde, benötigten auch deutsche Banken staatliche Unterstützung. Die Bundesrepublik Deutschland unterstützte z.B. die Commerzbank aus dem Sonderfonds Finanzmarktstabilisierung (SoFFin) mit ca. 15 Milliarden Euro an staatlichen Garantien sowie 16,4 Mrd. Euro an stillen Einlagen. Außerdem übernahm der SoFFin 25% plus eine Aktie der Commerzbank für rund 1,8 Mrd. Euro. Um eine solche Krise in Zukunft zu vermeiden, wurden im europäischen Währungsraum verschiedene präventive Schutzmaßnahmen eingeführt. So gilt z.B. ab 2016 ein Abwicklungsmechanismus, welcher im Ernstfall die Abwicklung eines systemrelevanten Instituts übernimmt. Bei der Abwicklung sollen zunächst die Aktionäre und Sparer des Kreditinstituts herangezogen werden. Im Weiteren wurde eine gemeinschaftliche europäische Einlagensicherung geschaffen, in die alle Institute des Euroraums einzahlen. Derzeit entwickelt EU-Binnenmarktkommissar Michel Barnier einen Entwurf, welcher eine Trennung des Eigenhandels des Investment-Bankings vom restlichen Bankge-schäft, vor allem dem Commercial Banking, vorsieht. In dieser Arbeit soll geklärt werden, ob das Trennbanksystem einen Eckpfeiler der


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Product Details
  • ISBN-13: 9783656747147
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 54 gr
  • ISBN-10: 3656747148
  • Publisher Date: 07 Oct 2014
  • Height: 210 mm
  • No of Pages: 30
  • Spine Width: 2 mm
  • Width: 148 mm


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Ist das Trennbanksystem ein Eckpfeiler der Finanzmarktstabilität im Euroraum?
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