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Subprime-Krise

Subprime-Krise


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About the Book

Studienarbeit aus dem Jahr 2008 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,0, Hochschule Aschaffenburg (Hochschule Aschaffenburg- University of Applied Sciences), Veranstaltung: Finance, Sprache: Deutsch, Abstract: Über die Subprime-Krise, die inzwischen zu weit über 400 Mrd. Dollar Abschreibungen bei den Banken und im März zum Notverkauf der US-Investmentbank Bear Stearns an JP Morgen Chase geführt hat, ist seit ihrem Beginn im Sommer des vergangenen Jahres viel berichtet worden. Der Zusammenhang zwischen dem US-Immobilienmarkt und seinen Auswirkungen auf die internationalen Finanzmärkte ist dabei nicht immer deutlich geworden. Alles fing damit an, dass sich US-Bürger den American Dream vom eigenen Haus erfüllen wollten, obwohl sie es sich nicht leisten konnten. Den-noch räumten US-Banken den Hauskäufern mit schlechter Bonität, so genannten Subprime-Kreditnehmern, Hypothekendarlehen zu Lockvogel-Zinsen ein, um sie anschließend an Zweckgesellschaften weiterzureichen. Diese bündelten u.a. die Hypothekenkredite. Von Rating-Agenturen zu optimistisch bewertet, wurden sie anschließend als Finanzinnovationen an andere Banken, Hedge-Fonds und sonstige Investoren weiterverkauft, was weitreichende Konsequenzen hatte. Diesen Sommer begehen wir den ersten Jahrestag der Subprime-Krise. Grund genug einmal näher zu beleuchten, wie genau es zu der weltumspannenden Finanzmarktkrise kam, die ursprünglich von zwei Teilsegmenten des amerikanischen Hypothekenmarktes ausgeht. Zu Beginn dieser Arbeit soll ein Überblick über die Immobilienfinanzierung in den USA gegeben werden. Untersuchungsgegenstand sind dabei der US-Hypothekenmarkt und die Bonität des Schuldners. In Kapitel drei werden die Hintergründe der Subprime-Krise anhand der Zinspolitik der Federal Reserve (Fed), der Preisentwicklung auf dem US-Wohnimmobilienmarkt und die Auswirkungen von Zinspolitik und Preisentwicklung näher beleuchtet. Im vierten Kapitel ist der Wandel von der US-Immobilienkrise zur internatio


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Product Details
  • ISBN-13: 9783640141586
  • Publisher: Grin Verlag Gmbh
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 3 mm
  • Weight: 118 gr
  • ISBN-10: 364014158X
  • Publisher Date: 19 Aug 2008
  • Height: 210 mm
  • No of Pages: 40
  • Series Title: German
  • Sub Title: Wie es zur weltumspannenden Finanzmarktkrise kam
  • Width: 148 mm


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