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Drei-Säulen-Modell: Gibt es Reformbedarf im deutschen Bankensektor?

Author

Listed:
  • Manfred Weber
  • Thomas R. Fischer
  • Ekkehard Wenger
  • Dietrich Hoppenstedt
  • Wolfgang Gerke
  • Bernd Rudolph

Abstract

Ausgelöst durch den Verkauf der HypoVereinsbank an die italienische UniCredito erhielt die Diskussion um eine Aufhebung der Trennung zwischen den drei Säulen der deutschen Bankenlandschaft neue Nahrung. Prof. Dr. Manfred Weber, Bundesverband deutscher Banken, begrüßt den Wegfall von Anstaltslast und Gewährträgerhaftung als einen Schritt auf dem Weg zu gleichen Wettbewerbsbedingungen im deutschen Bankenmarkt. Für Dr. Thomas R. Fischer, Bundesverband öffentlicher Banken, dagegen ist eine pauschale Diskussion über Säulenstrukturen - orientiert an den unterschiedlichen Eigentümerstrukturen - unter den nunmehr gültigen Rahmenbedingungen wenig hilfreich: "Um im internationalen Wettbewerb bestehen zu können, sind klare Geschäftsmodelle erforderlich, die bei den Kunden einen spürbaren Mehrwert liefern." Nach Ansicht von Prof. Dr. Ekkehard Wenger, Universität Würzburg, steht das Drei-Säulen-Modell "nicht im Zentrum des Reformbedarfs". Und auch Prof. Dr. Wolfgang Gerke, Universität Erlangen-Nürnberg, führt die Schwierigkeiten verschiedener deutscher Banken primär auf eigene Managementfehler und nicht auf das Drei-Säulen-System zurück: "Fehldispositionen und falsche Strategien haben die deutschen Kreditinstitute in Krisensituationen geführt." Dr. Dietrich H. Hoppenstedt, Deutscher Sparkassen- und Giroverband, plädiert in seinem Beitrag für eine starke Sparkassen-Finanzgruppe, denn nur so ist "die Stärkung des deutschen Bankenmarktes … möglich. Jetzt muss es darum gehen, die Sparkassen-Finanzgruppe noch stärker zusammenzuführen, nicht zu fragmentieren." Prof. Dr. Bernd Rudolph, Universität München, unterstreicht den öffentlich-rechtlichen Charakter der Sparkassen und die Bedeutung des Regionalprinzips, das für die Sparkassen wie für den Genossenschaftsbereich gilt.

Suggested Citation

  • Manfred Weber & Thomas R. Fischer & Ekkehard Wenger & Dietrich Hoppenstedt & Wolfgang Gerke & Bernd Rudolph, 2005. "Drei-Säulen-Modell: Gibt es Reformbedarf im deutschen Bankensektor?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 58(14), pages 03-23, July.
    • Handle: RePEc:ces:ifosdt:v:58:y:2005:i:14:p:03-23
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    References listed on IDEAS

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    1. Berger, Allen N. & Demsetz, Rebecca S. & Strahan, Philip E., 1999. "The consolidation of the financial services industry: Causes, consequences, and implications for the future," Journal of Banking & Finance, Elsevier, vol. 23(2-4), pages 135-194, February.
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    More about this item

    Keywords

    Bank; Bankenreform; Bankensystem; Kreditmarkt; Wettbewerb; Deutschland;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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