Das Risikomanagement Deutscher Kreditinstitute Im Bereich Der Immobilienfinanzierung Die Us Subprime Krise
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Das Risikomanagement Deutscher Kreditinstitute Im Bereich Der Immobilienfinanzierung Die Us Subprime Krise
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Author : Dennis Ledwon
language : de
Publisher: GRIN Verlag
Release Date : 2015-03-16
Das Risikomanagement Deutscher Kreditinstitute Im Bereich Der Immobilienfinanzierung Die Us Subprime Krise written by Dennis Ledwon and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-03-16 with Business & Economics categories.
Bachelorarbeit aus dem Jahr 2015 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,3, DIPLOMA Fachhochschule Nordhessen; Abt. Hannover (Diploma), Sprache: Deutsch, Abstract: Diese Arbeit beschäftigt sich mit dem Risikomanagement deutscher Kreditinstitute im Bereich der Immobilienfinanzierung unter Berücksichtigung der US-Subprime-Krise. Die Subprime-Krise hat gezeigt, wie wenig sich die Verantwortlichen Banker in deutschen Banken mit den Risiken ihrer Geschäfte auseinandergesetzt haben. Während der Aufarbeitung der Hintergründe zur US-Subprime-Krise fielen im Zusammenhang mit deutschen Banken solche Stichwörter wie „inkompetent“ oder „Geld-hungrig“, oft traf auch beides zu. Obwohl jede Bank eine Art von Risikomanagement besessen hat, kann der Umgang der Wirtschaftsakteure mit diesem Management-Segment nur als eine Farce bezeichnet werden. Erst nach dem Platzen der Immobilienblase in den USA und der hieraus folgenden Finanz- und Wirtschaftskrise rückte das Immobilien-Risikomanagement in den Fokus wissenschaftlicher und praxisrelevanter Untersuchungen. „Studien von ERNST & YOUNG, FUNK RMCE, RÖDL & PARTNER UND WEISS-MANN & CIE. belegen, dass die Notwendigkeit des Risikomanagement in der Praxis immer mehr Beachtung findet. Jedoch mangelt es an der Umsetzung und Etablierung in den Unternehmensstrukturen.“ In dieser Arbeit soll einerseits untersucht werden, wie deutsche Banken in Immobilien investieren und wie sie mit dem einhergehenden Risiko umgehen, andererseits soll untersucht werden, welche Rolle deutsche Banken im Rahmen der US-Subprime-Krise gespielt haben. Diese Arbeit geht der Forschungsfrage nach, inwieweit sich das Immobilien-Risikomanagement deutscher Banken seit der verheerenden Immobilienkrise vor ein paar Jahren verändert hat. Ein weiterer Fokus soll auf die momentanen Entwicklungen in China gelegt werden, da dort ein Pendant zur US-Subprime-Krise heranwächst. „Moody's warnte laut einem Bericht der Financial Times davor, dass der Zusammenbruch der chinesischen Immobilienbranche die Weltwirtschaft beeinträchtigen würde.“ An dieser Stelle kann schon vorweg genommen werden, dass sich in Hinsicht auf das Risiko im Bereich der Immobilienfinanzierung nur erschreckend verändert hat und dies soll im Zuge dieser Arbeit am Beispiel des chinesischen Immobilienmarktes aufgezeigt werden.
Debtor Nation
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Author : Louis Hyman
language : en
Publisher: Princeton University Press
Release Date : 2011-01-03
Debtor Nation written by Louis Hyman and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-03 with History categories.
The story of personal debt in modern America Before the twentieth century, personal debt resided on the fringes of the American economy, the province of small-time criminals and struggling merchants. By the end of the century, however, the most profitable corporations and banks in the country lent money to millions of American debtors. How did this happen? The first book to follow the history of personal debt in modern America, Debtor Nation traces the evolution of debt over the course of the twentieth century, following its transformation from fringe to mainstream—thanks to federal policy, financial innovation, and retail competition. How did banks begin making personal loans to consumers during the Great Depression? Why did the government invent mortgage-backed securities? Why was all consumer credit, not just mortgages, tax deductible until 1986? Who invented the credit card? Examining the intersection of government and business in everyday life, Louis Hyman takes the reader behind the scenes of the institutions that made modern lending possible: the halls of Congress, the boardrooms of multinationals, and the back rooms of loan sharks. America's newfound indebtedness resulted not from a culture in decline, but from changes in the larger structure of American capitalism that were created, in part, by the choices of the powerful—choices that made lending money to facilitate consumption more profitable than lending to invest in expanded production. From the origins of car financing to the creation of subprime lending, Debtor Nation presents a nuanced history of consumer credit practices in the United States and shows how little loans became big business.
Business Anthropology
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Author : Ann T. Jordan
language : en
Publisher: Waveland Press
Release Date : 2012-10-02
Business Anthropology written by Ann T. Jordan and has been published by Waveland Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-10-02 with Social Science categories.
Viewed as a breakthrough in applied anthropology, Business Anthropology was the first concise work to juxtapose, compare, and integrate anthropological methods and theories with those of contemporary business practices and theories. In this latest edition, Jordan retains enduring, illustrative examples and adds fresh insights to familiarize readers with anthropological techniques and show their ever-growing utility in a variety of organizational and consumer settings. Business Anthropology explains how anthropologists distinctive training and skills equip them to address issues ranging from work processes, diversity, and globalization to product design and consumer behavior, in both for-profit and nonprofit organizations. Anthropologists use a holistic approach to gather and analyze data. They get to know people both inside and outside the organization, understand diverse perspectives from an objective viewpoint, gain in-depth knowledge about local wants and needs, and see old realities in new ways.
Spinning The Semantic Web
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Author : Dieter Fensel
language : en
Publisher: MIT Press
Release Date : 2005
Spinning The Semantic Web written by Dieter Fensel and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Computers categories.
A guide to the Semantic Web, which will transform the Web into a structured network of resources organized by meaning and relationships.
The Future Of Finance
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Author : Adair Turner
language : en
Publisher: London School of Economics and Political Science
Release Date : 2010
The Future Of Finance written by Adair Turner and has been published by London School of Economics and Political Science this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Finance categories.
"The Paul Woolley Centre for the Study of Capital Market Dysfunctionality"--Back cover.
Bank Competition And Financial Stability
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Author : Mr.Gianni De Nicolo
language : en
Publisher: International Monetary Fund
Release Date : 2011-12-01
Bank Competition And Financial Stability written by Mr.Gianni De Nicolo and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-12-01 with Business & Economics categories.
We study versions of a general equilibrium banking model with moral hazard under either constant or increasing returns to scale of the intermediation technology used by banks to screen and/or monitor borrowers. If the intermediation technology exhibits increasing returns to scale, or it is relatively efficient, then perfect competition is optimal and supports the lowest feasible level of bank risk. Conversely, if the intermediation technology exhibits constant returns to scale, or is relatively inefficient, then imperfect competition and intermediate levels of bank risks are optimal. These results are empirically relevant and carry significant implications for financial policy.
Interest Rate Management
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Author : Rudi Zagst
language : en
Publisher: Springer Science & Business Media
Release Date : 2013-04-17
Interest Rate Management written by Rudi Zagst and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-04-17 with Business & Economics categories.
This book combines a rigorous overview of the mathematics of financial markets with an insight into the practical application of these models to the risk and portfolio management of interest-rate derivatives. It can also serve as a valuable textbook on financial markets for graduate and PhD students in mathematics. Interesting and comprehensive case studies illustrate the theoretical concepts.
Introduction To Securitization
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Author : Frank J. Fabozzi
language : en
Publisher: John Wiley & Sons
Release Date : 2008-06-06
Introduction To Securitization written by Frank J. Fabozzi and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-06-06 with Business & Economics categories.
Introduction to Securitization outlines the basics of securitization, addressing applications for this technology to mortgages, collateralized debt obligations, future flows, credit cards, and auto loans. The authors present a comprehensive overview of the topic based on the experience they have gathered through years of interaction with practitioners and graduate students around the world. The authors offer coverage of such key topics as: structuring agency MBS deals and nonagency deals, credit enhancements and sizing, using interest rate derivatives in securitization transactions, asset classes securitized, operational risk factors, implications for financial markets, and applying securitization technology to CDOs. Finally, in the appendices, the authors provide an essential introduction to credit derivatives, an explanation of the methodology for the valuation of MBS/ABS, and the estimation of interest rate risk. Securitization is a financial technique that pools assets together and, in effect, turns them into a tradable security. The end result of a securitization transaction is that a corporation can obtain proceeds by selling assets and not borrowing funds. In real life, many securitization structures are quite complex and enigmatic for practitioners, investors, and finance students. Typically, books detailing this topic are either too lengthy, too technical, or too superficial in their presentation. Introduction to Securitization is the first to offer essential information on this topic at a fundamental, yet comprehensive level-providing readers with a working understanding of what has become one of today's most important areas of finance. Authors Frank Fabozzi and Vinod Kothari, internationally recognized experts in the field, clearly define securitization, contrast it with corporate finance, and explain its advantages. They carefully illustrate the structuring of asset-backed securities (ABS) transactions, including agency mortgage-backed securities (MBS) deals and nonagency deals, and show the use of credit enhancements and interest rate derivatives in such transactions. They review the collateral classes in ABS, such as retail loans, credit cards, and future flows, and discuss ongoing funding vehicles such as asset-backed commercial paper conduits and other structured vehicles. And they explain the different types of collateralized debt obligations (CDOs) and structured credit, detailing their structuring and analysis. To complement the discussion, an introduction to credit derivatives is also provided. The authors conclude with a close look at securitization's impact on the financial markets and the economy, with a review of the now well-documented problems of the securitization of one asset class: subprime mortgages. While questions about the contribution of securitization have been tainted by the subprime mortgage crisis, it remains an important process for corporations, municipalities, and government entities seeking funding. The significance of this financial innovation is that it has been an important form of raising capital for corporations and government entities throughout the world, as well as a vehicle for risk management. Introduction to Securitization offers practitioners and students a simple and comprehensive entry into the interesting world of securitization and structured credit.
Automotive Management
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Author : Jens Diehlmann
language : en
Publisher: Walter de Gruyter
Release Date : 2013-12-09
Automotive Management written by Jens Diehlmann and has been published by Walter de Gruyter this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-12-09 with Business & Economics categories.
The authors point out the entire business orientated automotive value chain. With regard to the finance perspective the elements of the value chain are scrutinized chapter by chapter. Current trends in new mobility concepts, cross-industry strategic alliances as well as requirements for product launch, especially in the BRIC countries, are highlighted. The book provides the link between science and business practice in the automotive industry. It can be used as a textbook. Many practitioners might also use it as a guideline in the field of automotive management.
The Credit Default Swap Basis
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Author : Moorad Choudhry
language : en
Publisher: Bloomberg Press
Release Date : 2027-06-22
The Credit Default Swap Basis written by Moorad Choudhry and has been published by Bloomberg Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2027-06-22 with Business & Economics categories.
An up-to-date resource on the intricacies of the credit default swap basis While credit default swaps and credit derivatives are of great concern to many in the field of finance, the Second Edition of The Credit Default Swap Basis does not directly focus on these issues. It is instead about an aspect of CDS behavior, the basis, which is of importance to all users of CDS products. An understanding of the basis is essential to anyone involved in the credit-risky debt capital markets, whether you're an investor, trader, or broker. The credit default swap basis (the basis) defines the relationship between the cash and synthetic credit markets. Finance professionals need to understand the drivers of the basis in order to better undertake investment and value analysis, and for trading purposes. In this updated Second Edition, author Moorad Choudhry, a market practitioner who has published widely in the field of credit derivatives, explores this dynamic discipline and examines the structural changes in the CDS market, including new settlement mechanisms and contract standardization. Along the way, he describes how basis pricing has changed in the aftermath of the financial crisis and what that change means in regard to overall market and trading opportunities. The only book on basis issues of credit default swaps, it provides practitioners with vital information on valuation, credit risk assessment, and basis trading strategies Addresses structural changes to the market, including the introduction of central clearing houses in the U.S. and Europe and standardization of contracts to reduce disputes about payout settlements Covers the close relationship between the synthetic and cash markets in credit, which manifests itself in the credit default swap basis The Credit Default Swap Basis, Second Edition offers invaluable market insights to all financial professionals seeking a deeper understanding of credit derivatives and fixed income securities.
