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Six Sigma - ein Konzept zur Unternehmenssteuerung: Grundsätzliche Konzeption und Einsatzmöglichkeiten in der Finanzbranche

Six Sigma - ein Konzept zur Unternehmenssteuerung: Grundsätzliche Konzeption und Einsatzmöglichkeiten in der Finanzbranche

          
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About the Book

Diplomarbeit aus dem Jahr 2005 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Duale Hochschule Baden-Württemberg, Ravensburg, früher: Berufsakademie Ravensburg, Veranstaltung: Fach Betriebswirtschaftslehre, Sprache: Deutsch, Abstract: Schon im Jahre 1990 behauptete Ulrich Cartellieri, dass den Banken das gleiche Schicksal drohe wie der Stahlindustrie. Und tatsächlich unterliegt seit der zweiten Hälfte der neunziger Jahre die Bankenbranche einem gewaltigen Umbruch. Der technische Fortschritt per Internet z.B. ermöglicht eine schnelle Verfügbarkeit von Informationen, eine damit einhergehende Transparenz der Märkte und letzten Endes einen effizienten Preisvergleich. So führt die unaufhaltsame Kommerzialisierung zu einem in den letzten Jahren immer intensiver gewordenen Wettbewerb. Speziell im Massengeschäft der Banken erhöht sich dadurch der Kostendruck für die Anbieter enorm. Zwar seien Kosten- und Ertragskrisen in den Banken und Sparkassen weitgehend überwunden, dennoch gilt Deutschlands Bankenmarkt als "overbanked" und "overbranched". Nahezu die Hälfte des deutschen Bankenmarktes ist in öffentlicher Hand, viele Institute sind ledig-lich regionale Anbieter mit niedrigen Bilanzsummen und im Verhältnis dazu vielen Mitarbeitern und Stabsabteilungen verbunden mit hohen Personal- und Sachaufwendungen. Hier schlummern Rationalisierungspotenziale. Der Markt ist zu wenig konzentriert, z.B. erzielen die fünf größten deutschen Banken im Retailgeschäft lediglich einen kumulierten Marktanteil von 20%. Die Folge davon sind Banken und Sparkassen mit schlechten Cost-Income-Ratios. Die Wertschöpfung in der Finanzbranche ist mit rund 80% verglichen mit anderen Branchen noch sehr tief. Auch im Vergleich zu den großen Wettbewerbern in anderen europäischen Ländern, bei denen die Quote zwischen 45% und 65% liegt, haben einige deutschen Banken in den letzten Jahren noch nicht einmal ihre Kosten gedeckt.


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Product Details
  • ISBN-13: 9783640130191
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 5 mm
  • Weight: 109 gr
  • ISBN-10: 3640130197
  • Publisher Date: 12 Aug 2008
  • Height: 210 mm
  • No of Pages: 74
  • Series Title: German
  • Sub Title: Grundsätzliche Konzeption und Einsatzmöglichkeiten in der Finanzbranche
  • Width: 148 mm


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Six Sigma - ein Konzept zur Unternehmenssteuerung: Grundsätzliche Konzeption und Einsatzmöglichkeiten in der Finanzbranche
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Six Sigma - ein Konzept zur Unternehmenssteuerung: Grundsätzliche Konzeption und Einsatzmöglichkeiten in der Finanzbranche
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