Rating von Finanzinstituten: Banken und Finanzdienstleister by Zafer Diab, Oliver Everling

By Zafer Diab, Oliver Everling

​ Die Finanzkrise hinterlässt eine völlig veränderte Bankenlandschaft. In kürzester Zeit zerfielen nicht nur einstige Großbanken, sondern es formierten sich auch völlig veränderte Institute aus Fusionen und Übernahmen. Der verschärfte Wettbewerb unter Banken wird nicht nur unter dem Joch einer ungelösten Staatsschuldenkrise ausgetragen, sondern auch unter erhöhtem Druck der Bankenaufsicht und der nächsten new release von Finanzdienstleistern. Viele Geschäftsmodelle wurden erst durch neue Informations- und Kommunikationstechnologien möglich und harren auf Bewährung in der Praxis. Die Gesetzgebung erfasst inzwischen jedes Finanzinstitut und unterstellt es der Aufsicht. Das Buch zeigt nicht nur Konsequenzen der Regulierung und des Wettbewerbs für das credit standing von Banken, sondern auch Maßstäbe, Kriterien und Verfahren zur Beurteilung des existentiellen Risikos sonstiger Finanzinstitute auf.

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711). It is within this system that principalities, as state entities preceding the contemporary 16 Länder of Germany, appeared during the High Middle Ages. The main idea is that noblemen borrow (leihen) from the Kaiser not only the right to exert power locally, but also the right to use the land over which they rule. In his turn, the Kaiser relies (anlehnen) on his noblemen in the governing process and the wars he might have to lead. The system is similar to the clerical one. e. in the parishes.

Well, as the Earth’s resources are limited, it is obvious that the free market economy, which otherwise is the instrument for creating fastest growth and alleviating poverty, its applicability is limited in time. It will have to be replaced by another systemic principle which cannot be defined at time point. Of course this does not apply only to the Social Market Economy, but to any national economic system where it is present. 4 Competition4 Competition is a third “second-level” principle at the basis of a market economy, and thus of the Social Market Economy as we know it in Germany too.

Even after becoming part of the ESCB, the Bundesbank continued (at least up to the sovereign debt crisis as of 2010) to abide by the same principle of political independence 2 Principles, Legislative and Institutional Framework … 39 from the government, as it did before. The difference from the past is that now, this principle is no longer applied in the bank’s own name, but indirectly.  107 of the Treaty of Maastricht and its subsequent changes under the Treaty revisions. According to this article, neither the ECB nor any other Central Bank of a signatory state of the Treaty and none of the members of its leading bodies are allowed to receive orders during the exercise of duties, or to let themselves be led through any indication from any community, any Government of any signatory state or by any other institution.

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