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Theorie und Ausgestaltung des Bankenaufsichtsrechts

Theorie und Ausgestaltung des Bankenaufsichtsrechts

          
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About the Book

Die Wirtschaftsordnung in Deutschland basiert auf dem Prinzip der sozialen Marktwirtschaft. Die Koordination über Märkte führt dabei zu effizienten gesamtwirtschaftlichen Ergebnissen und einem qualitativ hochwertigen Angebot an Gütern und Dienstleistungen. In einem solchen System sind staatliche Eingriffe in den Markt auf das notwendigste Maß zu beschränken und stets begründungsbedürftig, allerdings nicht grundsätzlich ausgeschlossen. Sie sind dann geboten, wenn zum einen die Marktkräfte nur zu einer unzureichenden Lösung gelangen und zudem der Staat in der Lage ist, durch zentrale Allokation von Ressourcen ein vorteilhafteres Ergebnis herbeizuführen. Hierzu wiederum muss stets kritisch zwischen den Chancen und Gefahren jeder staatlichen Einmischung in die Wirtschaftstätigkeit abgewogen werden. Diese Überlegungen gelten grundsätzlich auch für den Bankensektor. Das Zusammenspiel von Renditeinteressen der Kreditinstitute und dem unter den Instituten herrschenden Wettbewerb sollte im Grunde dazu führen, dass neue, an den Kundenbedürfnissen orientierte, Produkte und Vertriebswege geschaffen werden. Die Banken sollten somit auch ohne branchenspezifische Regulierung ihren Beitrag zur gesamtwirtschaftlichen Effizienz leisten. Gleichwohl unterliegt die Bankenbranche derlei umfangreichen und intensiven staatlichen Eingriffen wie kaum ein anderer Sektor. Neben dem Eingriff des Staates in das Marktgeschehen durch eigene Unternehmen wird das Grundprinzip der Gewerbefreiheit bei Aufnahme von Bankgeschäften ebenso reglementiert wie die laufende Geschäftstätigkeit, selbst für das Ausscheiden aus dem Markt existieren bankspezifische Besonderheiten. Die Handlungsfreiheit von Banken wird somit vom Anfang bis zum Ende nahezu lückenlos durch Regulierungsnormen eingeschränkt. Das Vorhandensein dieser Regulierungsdichte bedeutet jedoch nicht, dass ein Konsens diesbezüglich besteht - im Gegenteil: Die Begründungsansätze für die Notwendigkeit einer Regulierung sind ebenso umstritten wie


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Product Details
  • ISBN-13: 9783836651714
  • Publisher: Diplomica Verlag Gmbh
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 5 mm
  • Width: 178 mm
  • ISBN-10: 3836651718
  • Publisher Date: 07 Apr 2009
  • Height: 254 mm
  • No of Pages: 98
  • Series Title: German
  • Weight: 186 gr


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Theorie und Ausgestaltung des Bankenaufsichtsrechts
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Theorie und Ausgestaltung des Bankenaufsichtsrechts
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