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Kosten der Compliance-Regulierung: Eine empirische Untersuchung am Beispiel der deutschen Genossenschaftsbanken

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  • Schenkel, Andreas

Abstract

Die Auswirkungen der Bankenregulierung auf die Kreditinstitute sind in der genossenschaftlichen FinanzGruppe ein sehr intensiv diskutiertes Thema. Es besteht die Befürchtung, dass ein unproportionaler regulatorischer Markteingriff die Wettbewerbsfähigkeit von regional aufgestellten Banken gefährdet. Die vorliegende Arbeit widmet sich dieser Thematik anhand der Kosten für die bankspezifischen Compliance-Vorgaben. Im Ergebnis kann die These einer proportionalen Verteilung der Compliance-Kosten auf Grundlage der vorliegenden Daten nicht unterstützt werden. Kleine Genossenschaftsbanken mit einer Bilanzsumme unter 220 Mio. EUR verwenden 6,42% ihres Verwaltungsaufwandes für die Compliance-Bereiche. Dem gegenüber stehen große Genossenschaftsbanken mit einer Bilanzsumme von über 1,2 Mrd. EUR, die nur 1,01% ihrer Verwaltungsaufwendungen für die Compliance-Tätigkeiten beanspruchen.

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  • Schenkel, Andreas, 2016. "Kosten der Compliance-Regulierung: Eine empirische Untersuchung am Beispiel der deutschen Genossenschaftsbanken," Arbeitspapiere 169, University of Münster, Institute for Cooperatives.
    • Handle: RePEc:zbw:wwuifg:169
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    References listed on IDEAS

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    1. Horsch Andreas & Kleinow Jacob & Schiele Christian, 2018. "Proportionale Bankenregulierung: Chance für Genossenschaftsbanken?," Zeitschrift für das gesamte Genossenschaftswesen, De Gruyter, vol. 68(1), pages 56-65, March.

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