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Multilaterale Interbankenentgelte im Mastercard-Zahlungskartensystem: Urteil T-111/08 EuG

Multilaterale Interbankenentgelte im Mastercard-Zahlungskartensystem: Urteil T-111/08 EuG

          
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About the Book

Studienarbeit aus dem Jahr 2013 im Fachbereich Politik - Region: Westeuropa, Note: 1,3, Hochschule Bremen, Veranstaltung: Europarecht, Sprache: Deutsch, Abstract: Das bargeldlose Zahlen ist aus dem heutigen Geschäftsverkehr kaum mehr wegzudenken. Zahlungskarten ermöglichen ein unkompliziertes Einkaufen ohne das vorherige Abheben von Bargeld und bieten somit nicht nur Bequemlichkeitsvorteile für die Karteninhaber, sondern führen auch zu Umsatzsteigerungen bei den Händlern. Neben den Annehmlichkeiten, die Zahlungskarten für die Verbraucher und Händler mit sich bringen, profitieren andererseits die dahinterstehenden Zahlungskartenorganisationen sowie die Händler- und Kundenbanken von der Ausdehnung bargeldloser Transaktionen. Trotz oder gerade wegen der hohen Verbreitung von Kredit- und insbesondere Debitkarten, stehen die mit dem Karteneinsatz verbundenen Kosten auf Grund ihrer Höhe und Undurchsichtigkeit fortwährend in der Kritik. Im Fokus befinden sich dabei vor allem die Branchenriesen Visa und Mastercard. Neben Verbraucherschutz- und Händlerverbänden befasst sich auch die Europäische Kommission seit längerer Zeit mit den anfallenden Kartengebühren. Insbesondere die Gefahr, dass Gebühren in wettbewerbsgefährdender Weise aufdiktiert werden können, weckt die Aufmerksamkeit der Kommission. So beschäftigt sich diese Hausarbeit mit dem Urteil T-111/08 des Europäischen Gerichts erster Instanz über eine Entscheidung der Europäischen Kommission, welche ein bestimmtes Entgelt im Mastercard-System, das sog. mulitlaterale Interbankenentgelt (MIF), das bei der Überweisung eines Zahlungsbetrags an die Händlerbank von der Kundenbank einbehalten wird, als wettbewerbswidrig einstufte und damit einen Verstoß gegen Artikel 81 EG-Vertrag und Artikel 53 EWR-Abkommen feststellte. Da für das Verständnis der Kommissionsentscheidung und des Urteils ein Wissen über die Funktionsweise des Mastercard-Systems nötig ist, werden zunächst einleitende Informationen über das Unternehmen, da


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Product Details
  • ISBN-13: 9783656510130
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 3 mm
  • Weight: 63 gr
  • ISBN-10: 365651013X
  • Publisher Date: 09 Oct 2013
  • Height: 210 mm
  • No of Pages: 40
  • Series Title: German
  • Sub Title: Urteil T-111/08 EuG
  • Width: 148 mm


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