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Perspektiven öffentlicher Sparkassen

Perspektiven öffentlicher Sparkassen

          
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About the Book

Studienarbeit aus dem Jahr 2005 im Fachbereich BWL - Industriebetriebslehre, Note: 2,0, Technische Universität Berlin (Institut für Technologie und Management), Veranstaltung: Internationales Management, Sprache: Deutsch, Abstract: Zusammenfassend lässt sich für die Sparkassen konstatieren, dass die großen Veränderungen, die durch die Abschaffung des öffentlich-rechtlichen Haftungsregimes herrühren, schon früh antizipiert wurden und so keine großen Probleme entstehen. Größere Probleme für die Institute stellen die aufsichtsrechtlichen Anforderungen von Basel II dar, wonach die Risikobewertung strenger kontrolliert wird. Dies ist auch der Grund für die Fusionen, die im großen Stil, wie zum Beispiel die Sparkasse KölnBonn, durchgeführt werden. Der Fortbestand der Landesbanken hingegen ist noch nicht gewährleistet. Für sie wird die Kostenbelastung durch die schlechteren Ratings, die bei den Landesbanken voll durchschlagen, da sie im Gegensatz zu den Sparkassen ihre Refinanzierung über den Kapitalmarkt durchführen, steigen. So geht der IWF von einer Steigerung der Refinanzierungskosten durch höhere Risikoaufschläge von bis zu 0,6 Prozentpunkten aus.73 Dies macht umgerechnet einen Kostenaufschlag von 0,12 % der Bilanzsumme aus. Der Gewinn der Landesbanken lag 2002 jedoch nur bei 0,07 % der Bilanzsumme, so dass von einem Abrutschen der Landesbanken in die Verlustzone ausgegangen werden kann. Die schlechten Ergebnisse der Landesbanken lassen sich auch auf den starken politischen Einfluss und damit verbunden den Missbrauch der Landesbanken zu politischen Zwecken zurückführen.74 Eine materielle Privatisierung, wie der Oberbürgermeister von Stralsund vorgeschlagen hatte, befreit die öffentlich-rechtlichen Finanzinstitute von diesen Problemen und sollte in einem nächsten Schritt zur Liberalisierung des Bankensektors Deutschlands berücksichtigt werden. Gerade im Hinblick leerer Kassen, darf eine solche Chance nicht vertan werden. Zudem würde der Finanzmarkt Deutschland gestärkt


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Product Details
  • ISBN-13: 9783640442287
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Weight: 95 gr
  • ISBN-10: 3640442288
  • Publisher Date: 12 Oct 2009
  • Height: 210 mm
  • No of Pages: 64
  • Series Title: German
  • Sub Title: Eine Analyse zur Gewährträgerhaftung und Anstaltslast
  • Width: 148 mm


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