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Banken unter Druck: Gibt es Auswege aus der neuen Bankenkrise?

Author

Listed:
  • Stephan Paul
  • Christian Farruggio
  • Gerhard Schick
  • Jan Weder
  • Jochen Zimmermann
  • Harald Hau
  • Bernd Lucke

Abstract

Durch die globale Finanz- und Wirtschaftskrise geraten Europas Banken immer mehr unter Druck. So hat die desolate Verfassung der Staatsfinanzen der südeuropäischen Länder nach Ansicht von Stephan Paul und Christian Farruggio, Ruhr-Universität Bochum, die Krise in den Bankensektor »zurückgebracht«, denn diese halten immer noch in großem Umfang öffentliche Schuldtitel. Die von der Politik favorisierten Vorschläge zur Beseitigung der Bankenkrise lösen aber leider nicht die derzeitigen Probleme, da sie sich vor allem auf die Höhe des regulatorischen Eigenkapitals von Banken beziehen. Stattdessen müsse im Rahmen einer proaktiven Kontrolle der Aufsicht intensiver geprüft werden, welche Risiken Banken eingehen. Gerhard Schick und Jan Weder, Bündnis 90/Die Grünen, sehen es als wichtig an, die Banken- und Schuldenkrisen separat zu lösen, wobei die Stabilisierung der Banken hierfür ein elementarer Baustein sei. Leider habe es die Politik versäumt, sich neue Optionen zwischen den beiden Extremen »Retten« und »Nicht-Retten« zu verschaffen. Jochen Zimmermann, Universität Bremen, möchte an den Anreizstrukturen und dem Geschäftsmodell der großen Privatbanken ansetzen, und zwar in mehrfacher Hinsicht: durch die Trennung von Staat und Kreditwirtschaft, durch weiträumige Verbote derivativer Geschäfte und die Stärkung des Zusammenhangs von Handlung und Haftung. Harald Hau, Universität Genf und Swiss Finance Institute, und Bernd Lucke, Indiana University, Bloomington, und Universität Hamburg, sehen Europa vor der Wahl zwischen hoher Infla­tion oder dem möglichen Staatsbankrott einzelner Staaten der Eurozone.

Suggested Citation

  • Stephan Paul & Christian Farruggio & Gerhard Schick & Jan Weder & Jochen Zimmermann & Harald Hau & Bernd Lucke, 2011. "Banken unter Druck: Gibt es Auswege aus der neuen Bankenkrise?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 64(22), pages 03-18, November.
  • Handle: RePEc:ces:ifosdt:v:64:y:2011:i:22:p:03-18
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    References listed on IDEAS

    as
    1. Carmen M. Reinhart & Kenneth S. Rogoff, 2011. "From Financial Crash to Debt Crisis," American Economic Review, American Economic Association, vol. 101(5), pages 1676-1706, August.
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    More about this item

    Keywords

    Bankenkrise; Finanzmarkt; Eigenkapital; Bankrisiko; Konjunkturpolitik; Inflation; Staatsbankrott; Europa;
    All these keywords.

    JEL classification:

    • F30 - International Economics - - International Finance - - - General
    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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