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Basel III — Auswirkungen auf Banken und Finanzsystem

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  • Thomas Hartmann-Wendels

    (Universität zu Köln)

Abstract

Zusammenfassung Ab 2014 treten die als Basel III bezeichneten Regeln als zentrales ?ement einer EUweit einheitlichen bankenregulierung in Kraft. banken müssen sich künftig mit mehr und qualitativ hochwertigerem eigenkapital finanzieren. Weitere bestandteile sind eine risikoinsensitive Höchstverschuldungsquote, höhere Kapitalanforderungen für bestimmte Risikopositionen und einheitliche Liquiditätsvorschriften. Diese beinhalten eine Mindestliquiditätsquote, deren ?nhaltung die Zahlungsfähigkeit in einer Stresssituation sicherstellen soll, und eine strukturelle Liquiditätsquote, die die Fristentransformation einschränkt. Der beitrag gibt einen Überblick über die bestimmungen von basel III und deren umsetzung durch das so genannte CRD IV-Paket. Darüber hinaus werden die Auswirkungen auf die kreditvergabe der banken und die Stabilität der Finanzmärkte diskutiert.

Suggested Citation

  • Thomas Hartmann-Wendels, 2013. "Basel III — Auswirkungen auf Banken und Finanzsystem," Schmalenbach Journal of Business Research, Springer, vol. 65(67), pages 72-96, January.
    • Handle: RePEc:spr:sjobre:v:65:y:2013:i:67:d:10.1007_bf03373023
    DOI: 10.1007/BF03373023
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    References listed on IDEAS

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    More about this item

    Keywords

    Banking regulation; Financial Crisis; Financial Market Stability; Supply of Loans;
    All these keywords.

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • 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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