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Steuerungselemente von Ausfallrisiken

Steuerungselemente von Ausfallrisiken

          
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About the Book

Studienarbeit aus dem Jahr 2003 im Fachbereich BWL - Rechnungswesen, Bilanzierung, Steuern, Note: 1,3, FOM Hochschule für Oekonomie & Management gemeinnützige GmbH, Neuss früher Fachhochschule (Fachbereich Controlling), Veranstaltung: Controlling, Sprache: Deutsch, Abstract: Seit Beginn der neunziger Jahre unterliegt das Kreditgeschäft, als ein Kerngeschäft der Banken, massiven Strukturänderungen. Davon betroffen ist insbesondere das Firmenkundengeschäft. Schlechte wirtschaftliche Rahmenbedingungen und damit verbundene Bonitätsverschlechterungen der Kreditkunden führten zu einer strukturellen Verschlechterung der Kreditportfolios. Hinzu kommt eine wachsender Wettbewerbsdruck sowie die Tatsache, dass Kredite zunehmend als Commodities angesehen werden. Es entwickelte sich so ein mit massivem Preisdruck verbundener Konkurrenzkampf um qualitativ hochwertiges Kreditgeschäft mit geringen Risiken. Seitens der Aktionäre der Banken entstand im Zeichen des Shareholder Value ein weiterer Druck. Um im Kampf um wichtiges Eigenkapital mithalten zu können, müssen entsprechende Renditen von den Banken erwirtschaftet werden. Dem steht jedoch die Tendenz sinkender Zinsenmargen bei gleichzeitig steigenden Risikokosten entgegen. Vor diesem Hintergrund haben Kreditrisikomanagement und Risikocontrolling in ihrer Bedeutung stark zugenommen. Die bewusste und aktive Steuerung von Ausfallrisiken sowie eine rentable Kreditvergabe sind überlebenswichtig für das Bankgewerbe geworden. Dieses Buch stellt die wichtigsten Steuerungsinstrumente eines Kreditrisikocontrollingsystems in Bezug auf Ausfallrisiken dar. Dabei soll insbesondere die Verbindung von einzelgeschäftsbezogener und gesamtbankbezogener Steuerung hervorgehoben werden. Da das Firmenkundengeschäft von den oben erläuterten Entwicklungen besonders stark betroffen ist, liegt der Fokus dieses Buches auf diesem Geschäftsbereich. Soweit dies darstellbar ist, werden die theoretischen Ausführungen zu den einzelnen Steuerungselementen mi


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Product Details
  • ISBN-13: 9783638691161
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 148 mm
  • ISBN-10: 3638691160
  • Publisher Date: 13 Aug 2007
  • Height: 210 mm
  • No of Pages: 68
  • Series Title: German
  • Weight: 100 gr


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