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Einfluss regionaler Bankenmärkte auf dezentrale Banken: Demographie, Bankenwettbewerb und Kreditportfolio

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  • Christians, Uwe
  • Gärtner, Stefan

Abstract

Auf Grundlage eines neuen Datensatzes wird untersucht, warum dezentrale Banken auch in strukturschwachen Regionen, in denen sie wichtige gesamtgesellschaftliche Aufgaben übernehmen, i.d.R. erfolgreich wirtschaften. Sparkassen in demographisch schrumpfenden Regionen und insbesondere in Ostdeutschland, in denen ein vergleichsweise geringer Bankenwettbewerb (regionale Marktstruktur) besteht, haben gleichwohl eine höhere Quote an notleidenden Krediten, einen höheren Sparüberschuss und eine höhere Zinsspanne als die Institute in der Vergleichsgruppe der wachsenden westdeutschen Regionen. Unsere Analysen lassen nicht darauf schließen, dass die höhere Marktmacht der Sparkassen in demographisch schrumpfenden Regionen (Oligopolrenten) einen ausgeprägten Einfluss auf Rentabilität und Kreditrisiko hat. Allerdings erscheint uns bedeutsam, dass die Erfolgsfaktoren dezentraler Banken in strukturschwachen Regionen auch in dem föderalen Staatsaufbau und einem spezifischen auf regionalen Ausgleich ausgerichteten Wohlfahrtsmodell begründet liegen. So werden in demographisch schrumpfenden und strukturschwachen Regionen hohe Sparüberschüsse auch deshalb erwirtschaftet, weil dort die Rentner zurzeit noch über relativ hohe Renten verfügen und daher eine hohe Sparquote verursachen.

Suggested Citation

  • Christians, Uwe & Gärtner, Stefan, 2014. "Einfluss regionaler Bankenmärkte auf dezentrale Banken: Demographie, Bankenwettbewerb und Kreditportfolio," Forschung Aktuell 02/2014, Institut Arbeit und Technik (IAT), Westfälische Hochschule, University of Applied Sciences.
    • Handle: RePEc:zbw:iatfor:022014
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    3. Gann, Philipp & Kretzschmar, Anne & Rudolph, Bernd, 2010. "Determinanten der Eigenkapitalrendite von Sparkassen," Discussion Papers in Business Administration 11786, University of Munich, Munich School of Management.
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    Cited by:

    1. Richter Frank & Christians Uwe & Hartl Friedrich, 2018. "Effizienz der Banken: Eine empirische Analyse der Kreditgenossenschaften," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 68(1), pages 29-47, March.
    2. Maurer Thomas & Thießen Friedrich, 2018. "Genossenschaftsbanken im ländlichen und städtischen Raum: Effizienzunterschiede und optimale Betriebsgrößen," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 68(1), pages 5-27, March.

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