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Der Verkauf von Non Performing Loans durch deutsche Kreditinstitute

Author

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  • Bösch, Martin
  • Heinig, Raik

Abstract

Der Verkauf von Non Performing Loans (NPLs) hat sich innerhalb von wenigen Jahren als ein bedeutendes Instrument zur Restrukturierung des Bankengeschäfts in Deutschland etabliert. Die vorliegende Arbeit gibt auf transparente Weise den aktuellen Stand wieder, welche Formen von NPLs existieren, warum ein Verkauf von NPLs zunehmend stattfindet und vor allem welche rechtlichen Hürden den Verkauf in Form eines Asset Deals und in Form eines Share Deals erschweren. Dabei stellen die Autoren die Zustimmungspflichtigkeit der bestehenden Kreditnehmer beim Forderungs- und Sicherheitsübergang in den Mittelpunkt sowie, damit verbunden, mögliche Verletzungen des Bankgeheimnisses, des Datenschutzes und des Amtsgeheimnisses. Es zeigt sich, dass auf Basis der bestehenden Regelungen die Übertragung von NPLs im Sinne jederzeit kündbarer oder gekündigter Darlehen mit weitaus weniger Hürden an Investoren weitergereicht werden können als 'gefährdete' Darlehen oder Darlehen, die aus Sicht der Banken ihre geschäftspolitische Bedeutung verloren haben.

Suggested Citation

  • Bösch, Martin & Heinig, Raik, 2007. "Der Verkauf von Non Performing Loans durch deutsche Kreditinstitute," Jena Contributions to Economic Research 2007,5, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    • Handle: RePEc:zbw:fhjbwf:20075
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    Citations

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    Cited by:

    1. Herold, Jörg & Ahrens, Bernd, 2011. "Reversibilität und Irreversibilität: Mathematische Untersuchungen zum Zeitverhalten des Produktlebenszyklus," Jena Contributions to Economic Research 2011,5, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    2. Stoetzer, Matthias-Wolfgang & Krähmer, Christian, 2007. "Regionale Nachfrageeffekte der Hochschulen - methodische Probleme und Ergebnisse empirischer Untersuchungen für die Bundesrepublik Deutschland," Jena Contributions to Economic Research 2007,6, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    3. Stoetzer, Matthias-Wolfgang & Beyer, Carolin & Mattheis, Julia & Schultheiß, Saskia, 2014. "Der Einfluss der Studiengebühren auf die Zahl der Studienanfänger an deutschen Hochschulen," Jena Contributions to Economic Research 2014/1, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    4. Stoetzer, Matthias-Wolfgang & Pfeil, Silko & Kaps, Katharina & Sauer, Thomas, 2011. "Regional dispersion of cooperation activities as success factor of innovation oriented SME," Jena Contributions to Economic Research 2011,4, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    5. Schwartz, Michael & Hornych, Christoph, 2010. "Informal networking: An overview of the literature and an agenda for future research," Jena Contributions to Economic Research 2010,1, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    6. Giese, Stefanie & Otte, Franziska & Stoetzer, Matthias-Wolfgang & Berger, Christian, 2013. "Einflussfaktoren des Studienerfolges im betriebswirtschaftlichen Studium: Eine empirische Untersuchung," Jena Contributions to Economic Research 2013/1, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    7. Bianka Dettmer & Thomas Sauer, 2019. "Implementation of European Cohesion Policy at the sub‐national level: Evidence from beneficiary data in Eastern Germany," Papers in Regional Science, Wiley Blackwell, vol. 98(1), pages 167-189, February.
    8. Stoetzer, Matthias-Wolfgang & Osborn, Evan, 2014. "Does gender really matter? An analysis of Jena University scientists collaboration with industry and non-profit-partners," Jena Contributions to Economic Research 2014/2, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    9. Herold, Jörg & Polzin, Kerstin, 2011. "Zeitvarianz und Zeitinvarianz - mathematische Untersuchungen zum Zeitverhalten des Produktlebenszyklus," Jena Contributions to Economic Research 2011,1, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.
    10. Herold, Jörg & Völker, Lutz, 2010. "Zufall und Notwendigkeit: Untersuchungen zur mathematischen Modellierung des Produktlebenszyklus," Jena Contributions to Economic Research 2010,2, Ernst-Abbe-Hochschule Jena – University of Applied Sciences, Department of Business Administration.

    More about this item

    Keywords

    Non Performing Loans; Distressed Loan; Non Strategic Loans; Loans of Watch; Forderungsabtretung; Sicherheitsübertragung; Bankgeheimnis; Datenschutz; Amtsgeheimnis; Basel II; Asset Deal; Share Deal;
    All these keywords.

    JEL classification:

    • K22 - Law and Economics - - Regulation and Business Law - - - Business and Securities Law
    • M42 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Accounting - - - Auditing
    • G30 - Financial Economics - - Corporate Finance and Governance - - - General

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