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Verbriefung für Firmenkunden: Win-Win für Kunde und Bank

Author

Listed:
  • Thomas Groß

    (Mitglied des Vorstands der Landesbank Hessen-Thüringen Girozentrale)

  • Matthias Renner

    (Bereichsleiter Investment Banking Products der Raiffeisen Bank International)

Abstract

Zusammenfassung Obwohl Verbriefungen in der Finanzkrise zweifelsohne eine krisenverstärkende Rolle gespielt haben, waren sie für deutsche firmenkunden vor, während und nach der Krise von hoher Stabilität geprägt und haben betriebswirtschaftlich und volkswirtschaftlich einen beachtlichen Nutzen erbracht. Industrieunternehmen setzen diese Art von finanzierungen ein, um ein zusätzliches finanzierungsinstrument vorzuhalten, dass weniger stark von der Bonität des eigenen Unternehmens abhängig ist, kreditlinien bei Banken schont und die bilanzstruktur verbessern kann. banken wiederum profitieren vom im Vergleich zum unbesicherten kredit reduzierten risikoprofil des Produktes, was sich auch bei verschiedenen Insolvenzsituationen in Deutschland bewährt hat. Das Regelwerk für Verbriefungen für banken bildet die risiken derzeit nicht adäquat ab.

Suggested Citation

  • Thomas Groß & Matthias Renner, 2013. "Verbriefung für Firmenkunden: Win-Win für Kunde und Bank," Schmalenbach Journal of Business Research, Springer, vol. 65(67), pages 35-41, January.
    • Handle: RePEc:spr:sjobre:v:65:y:2013:i:67:d:10.1007_bf03373021
    DOI: 10.1007/BF03373021
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    More about this item

    Keywords

    AbCP-based finance; Asset-based finance; Corporate Clients; Moral Hazard; Securitisation;
    All these keywords.

    JEL classification:

    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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