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Verkauf von Non Performing Loans (NPL). Kleine Kreditinstitute im Spannungsfeld zwischen Kreditrisikomanagement und Imageschaden

Verkauf von Non Performing Loans (NPL). Kleine Kreditinstitute im Spannungsfeld zwischen Kreditrisikomanagement und Imageschaden

          
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About the Book

Studienarbeit aus dem Jahr 2008 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 88 Punkte, Veranstaltung: Diplom-Bankbetriebswirt, Sprache: Deutsch, Abstract: Die Notwendigkeit von verbesserten Kreditrisikosteuerungsinstrumenten vor dem Hintergrund sich stetig verändernder, gesetzlicher Rahmenbedingungen setzt die Kreditinstitute unter Handlungsdruck. Daher hat sich der Verkauf von NPL in den vergangenen Jahren zu einem etablierten und mittlerweile standardisierten Finanzinstrument im Bereich des Kreditrisikomanagements sowohl für die Großbanken als auch für die kleinen Kreditinstitute entwickelt. In den letzten Monaten häufen sich allerdings negative Berichterstattungen zu diesen Portfolioverkäufen. Die aktuelle Medienlandschaft und die Kunden könnten NPL unterdessen auch mit "Nicht Präferierte Lösung" übersetzen. Daraus resultiert zunehmend ein Spannungsfeld zwischen der erforderlichen Bereinigung der Kreditportfolien und der ablehnenden Haltung in der Öffentlichkeit, wie das Beispiel einer NPL-Transaktion der Sparkasse Südholstein aus dem Jahre 2006 zeigt. In unserer Studienarbeit möchten wir neben den betriebswirtschaftlichen Aspekten speziell die Außenwirkung dieses Instruments untersuchen und richten dabei unser Augenmerk auf die kleinen Kreditinstitute. Zunächst haben wir geprüft, ob der Verkauf von notleidenden Forderungen für kleine Kreditinstitute betriebswirtschaftlich sinnvoll und aus Größen- und Kostengesichtspunkten überhaupt durchführbar ist. Anschließend haben wir im Rahmen unserer Empirie Bankkunden institutsübergreifend nach ihrer Meinung zu NPL-Verkäufen befragt und die Aussagen ausgewertet. Unsere Erkenntnisse aus den beiden gebildeten Schwerpunkten haben wir zusammengeführt und hieraus eine Handlungsempfehlung für kleine Institute unter Berücksichtigung von drei Alternativen entwickelt. Erster Schritt in diese Richtung ist - neben offener Kommunikation - die institutsübergreifende Verwendung von Syndizierungsklauseln, die Differe


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Product Details
  • ISBN-13: 9783640124688
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 5 mm
  • Width: 148 mm
  • ISBN-10: 3640124685
  • Publisher Date: 11 Aug 2008
  • Height: 210 mm
  • No of Pages: 82
  • Series Title: German
  • Weight: 118 gr


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