Home > Business & Economics > Industry & industrial studies > Ansätze zur Risikobeurteilung und Risikobegrenzung der Kreditinstitute in der gewerblichen Immobilienfinanzierung
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Ansätze zur Risikobeurteilung und Risikobegrenzung der Kreditinstitute in der gewerblichen Immobilienfinanzierung

Ansätze zur Risikobeurteilung und Risikobegrenzung der Kreditinstitute in der gewerblichen Immobilienfinanzierung

          
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About the Book

Inhaltsangabe: Einleitung: Bereits 1994 stellte Hilmar Kopper als Vorstandsprecher der Deutschen Bank im Zusammenhang mit der Schneider-Affäre fest: "Kreditgeschäft bedeutet immer auch Risiko. Das ist das Wesen unseres Geschäftes, auch wenn es in jedem Einzelfall natürlich mit allergrößter Sorgfalt betrieben wird." Diese Problematik verdeutlicht auch der folgende Satz: "Der Grund für den Kreditausfall ist in der Kreditgewährung zu suchen." Insbesondere werden die Risiken, die bei der gewerblichen Immobilienfinanzierung auftreten können, unterschätzt. So mußte beispielsweise die Hypo-Vereinsbank 1999, die von ihr übernommenen Immobilienrisiken im nachhinein nach oben korrigieren. Die Neuzusagen im Bereich der gewerblichen Baufinanzierungen deutscher Hypothekenbanken haben sich von 1988 bis 1993 nahezu vervierfacht. 1995 betrug das Volumen der gewerblichen Hypothekarkredite aller Bankengruppen 321,0 Mrd. DM. Mit diesem überproportionalen Wachstum, das zum großen Teil auf die euphorischen Gewinnerwartungen nach der Maueröffnung in Ostdeutschland zurückzuführen ist, hat auch das Risiko der finanzierenden Banken zugenommen, weil die bei der Kreditvergabe zugrunde gelegten Erträge nicht erwirtschaftet werden. Dies wiederum beruht auf Fehleinschätzungen der Marktentwicklung bezüglich des Volumens, als auch der Marktgängigkeit der finanzierten Objekte. Desweiteren verdeutlicht die Steigerung der Unternehmensinsolvenzen in der Bauwirtschaft um 10,6 % (= 7.788 Insolvenzen) von 1997 auf 1998 wie riskant die Kreditvergabe für Bauinvestitionen sein kann. Außerdem verschlechtert sich die Risikosituation der Kreditinstitute (KIs) durch das am 01.01.99 eingeführte neue Insolvenzrecht. Allerdings erfreuen sich gerade Gewerbeimmobilien aufgrund lukrativer Renditen und freier Mietvertragsgestaltung im stabilen und für Europa zentral gelegenen deutschen Wirtschaftsraum zunehmender Beliebtheit. Allerdings ändern sich sowohl die Wünsche und Bedürfnisse der Menschen als auch der techn


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Product Details
  • ISBN-13: 9783838621388
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 10 mm
  • Weight: 222 gr
  • ISBN-10: 3838621387
  • Publisher Date: 09 Feb 2000
  • Height: 210 mm
  • No of Pages: 164
  • Series Title: German
  • Sub Title: Am Beispiel einer Seniorenimmobilie
  • Width: 148 mm


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Ansätze zur Risikobeurteilung und Risikobegrenzung der Kreditinstitute in der gewerblichen Immobilienfinanzierung
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