Ausgestaltung des Kreditrisikomanagements bei Banken
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Ausgestaltung des Kreditrisikomanagements bei Banken

Ausgestaltung des Kreditrisikomanagements bei Banken


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About the Book

Diplomarbeit aus dem Jahr 2007 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,7, Universität des Saarlandes, Sprache: Deutsch, Abstract: Durch zahlreiche Turbulenzen wie beispielsweise Konkurse, steigende Insolvenzzahlen usw. wurde in den vergangenen Jahren das Thema Risikomanagement zunehmend bedeutungsvoller. "Große Verluste, Beinahe-Zusammenbrüche oder Bankenpleiten sind meist das Ergebnis von unzureichenden Kontrollmechanismen oder Schwachstellen im Risikomanagement der Banken." Um diese Defizite im Risikomanagement zu beseitigen, wurden in den letzten Jahren eine Fülle von Gesetzen und Vorschriften verabschiedet. Im Unternehmensbereich wurde im Jahre 1998 das Gesetz zur Kontrolle und Transparenz im Unternehmensbereich (KonTraG) erlassen, um auf den bewussten Umgang mit Unternehmensrisiken aufmerksam zu machen. Davon betroffen sind insbesondere das Aktiengesetz, das Handelsgesetz usw. Im Jahre 2002 wurde darüber hinaus der Corporate Governance Kodex vorgestellt, der ebenfalls die Unternehmen auf eine verantwortungsvolle Unternehmensführung aufmerksam machen sollte. Aufgrund einer besonderen Schlüsselstellung von Kreditinstituten in der Volkswirtschaft, wurden weitere Gesetze und Regelungen zum Thema Risikomanagement für diesen Sektor veröffentlicht. Gerade durch Basel II und die MaRisk wurde das Kreditrisikomanagement bei Banken in den letzten Jahren besonders in den Vordergrund gerückt. Diese Regelwerke sollen zur Solidität der Kreditinstitute beitragen und damit die Funktionsweise und Stabilität des deutschen Bankensystems fördern. Neben einer risikobewussten Eigenmittelunterlegung, die durch Basel II, das KWG und die SolvV gefordert wird, ist die Einrichtung eines Risikomanagementsystems notwendig. Im Dezember 2005 veröffentlichte die Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) nach intensiver Konsultation mit der Praxis die endgültige Fassung der "Mindestanforderungen an das Risikomanagement" (MaRisk).


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Product Details
  • ISBN-13: 9783638936316
  • Publisher: Grin Verlag Gmbh
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 6 mm
  • Weight: 199 gr
  • ISBN-10: 3638936317
  • Publisher Date: 24 Apr 2008
  • Height: 210 mm
  • No of Pages: 104
  • Series Title: German
  • Sub Title: Unter besonderer Berücksichtigung bankenaufsichtsrechtlicher und gesetzlicher Regelungen - Eine kritische Analyse
  • Width: 148 mm


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Ausgestaltung des Kreditrisikomanagements bei Banken
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Ausgestaltung des Kreditrisikomanagements bei Banken
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