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Umweltrisiken und Sicherheitenpolitik der Banken

Umweltrisiken und Sicherheitenpolitik der Banken

          
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About the Book

Inhaltsangabe: Problemstellung: Der Schutz der Umwelt ist in den vergangenen Jahren zu einem exponierten Thema der öffentlichen Diskussion geworden. Das Bewußtsein für die Umwelt hat sich in allen gesellschaftlichen Bereichen erheblich geschärft. Verschiedenste Umfragen belegen dies deutlich, z. B. die Shell Studie 1997. Diese staatliche und gesellschaftliche Sensibilisierung trifft vorrangig den Bereich der Industrie, der natürliche Ressourcen verbraucht und Emissionen gleich welcher Art abgibt. Kreditinstitute als Dienstleistungsunternehmen tragen zur direkten Schädigung der Umwelt nur in einem geringen Ausmaß bei. Aufgrund ihrer elementaren Finanzierungsfunktion in einer Volkswirtschaft sind die Banken aber in der Lage, Entscheidungskalküle und Investitionsströme der Unternehmen zu beeinflussen. Vor dem Hintergrund der beschriebenen allgemeinen Sensibilisierung und der Funktion der Kreditinstitute im Wirtschaftsprozeß kommt der Berücksichtigung von Umweltrisiken und deren Auswirkung auf zentrale Bestandteile des Bankgeschäfts eine elementare Rolle zu. Unter Umweltrisiken sollen hier alle Risiken, die einen Einfluß auf die Geschäftsbeziehung von Kreditinstituten und Kunden werfen können, gleich ob sie im Unternehmen entstanden oder erst durch äußere Umstände offensichtlich wurden, subsumiert werden. Der höheren Belastung der Umwelt durch ihren Wirtschaftsprozeß, im Vergleich zu privaten Haushalten, entsprechend konzentriert sich diese Arbeit fast ausschließlich auf Umweltrisiken im Firmenkundengeschäft. Für Kreditinstitute als Hauptfinanzierungsquelle der Unternehmen ergeben sich aus der Wechselwirkung mehrere Konsequenzen: Haftungs-, auflagen- und nachfragebedingte wirtschaftliche Schwierigkeiten von Unternehmen ziehen tendenziell entsprechende Kreditausfälle nach sich. Um der Gefahr von Kreditausfällen entgegenzuwirken, müssen Kreditinstitute noch stärker als bisher Umweltaspekte berücksichtigen. Umweltrisiken können auch auf die Sicherheiten, die normalerweis


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Product Details
  • ISBN-13: 9783838608839
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 6 mm
  • Width: 148 mm
  • ISBN-10: 3838608836
  • Publisher Date: 07 Jun 1998
  • Height: 210 mm
  • No of Pages: 102
  • Series Title: German
  • Weight: 145 gr


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