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Niedrigzinsphase. Chance oder ein Risiko für das Anlageverhalten von Privatkunden in Deutschland?

Niedrigzinsphase. Chance oder ein Risiko für das Anlageverhalten von Privatkunden in Deutschland?

          
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About the Book

Bachelorarbeit aus dem Jahr 2020 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, FOM Essen, Hochschule für Oekonomie & Management gemeinnützige GmbH, Hochschulleitung Essen früher Fachhochschule, Sprache: Deutsch, Abstract: Das Ziel dieser Bachelor-Thesis ist es, die Frage zu beantworten: Ist die Niedrigzinsphase eine Chance oder ein Risiko für das Anlageverhalten von Privatkunden in Deutschland? Um die Hintergründe näher zu beleuchten, werden die nachfolgenden Subfragen gestellt: Passt der Privatkunde in Deutschland seine Anlagestrategie zukünftig an die geänderten Rahmenbedingungen an, und verhält er sich somit rational? Beeinflussen Strafzinsen das Anlageverhalten? Beeinflussen rechtliche Rahmenbedingungen das Anlageverhalten? Zur Beantwortung dieser Fragen wird die Methode der qualitativen Forschung und zur Erhebung der Daten problemzentrierte und halbstrukturierte Leitfadeninterviews verwendet. Die Stichprobenziehung erfolgt bewusst und ist kriteriengeleitet. Im Blickpunkt stehen Erwachsene im Alter zwischen 35 und 64 Jahren. Die Stichprobe setzt sich aus sechs Teilnehmern, jeweils zur Hälfte männlich und weiblich, zusammen. Die Niedrigzinsphase kann als Chance für die deutschen Sparer verstanden werden, da eine Anpassung der Anlagestrategie erfolgt, und sich durch Strafzinsen das Anlageverhalten zwar ändern würde, nicht jedoch die Risikobereitschaft an sich, und die rechtlichen Rahmenbedingen gen keinen Einfluss auf das Anlageverhalten haben. Der Aufbau einer effektiven Finanzbildung für die Bürger, das passende Maß einer regulatorischen Dokumentation oder vertrauensbildende Maßnahmen seitens der Banken sind Beispiele, die es in der Zukunft anzugehen gilt. Spannend ist außerdem der mögliche Aufbau einer gesetzlichen Wertpapieranlage als Teil der Altersvorsorge.


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Product Details
  • ISBN-13: 9783346384560
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 200
  • Spine Width: 12 mm
  • Width: 148 mm
  • ISBN-10: 334638456X
  • Publisher Date: 22 Jun 2021
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 267 gr


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