Suche einschränken

Ergebnisse (19882)

Sortierung:

Alle Alles auswählen

Seite 1

Raum und Banken

Stefan Gärtner, Franz Flögel

Reihe: Innovation, Raum und Kultur

Band 2 2017

Treffer in den folgenden Teilen:

C. Raum und Banken: Theorien, Ansätze und Erkenntnisse S. 28-81

„… Wettbewerbsvorteile der Banken. Eine räumlich selektive bankwirtschaftliche Unterversorgung von peripheren …” „… Bankenmarktstruktur und vieler kleiner regionaler Banken (Engerer und Schrooten 2004; Gärtner 2008; Klagge 2010 …” „… ). So gelten Bankensysteme traditionell dann als besonders effizient, wenn viele Banken miteinander …”

B. Der deutsche Bankenmarkt S. 13-27

„… Öffentlich-rechtliche Bankensäule (ausführlich in Kapitel 8). Zu der zweiten Gruppe zählt die Bankengruppe der Banken …” „… gegenwärtig mit integrierten Bank-IuK-Systemen erledigt. Bei Betrachtung der Marktanteile der Bankengruppen …” „… vergeben die 179 Banken der Bankengruppe der Regionalbanken und sonstigen Kreditbanken zusammen etwas mehr …”

D. Dezentrale versus zentrale Finanzintermediation S. 82-113

„… deutsche Bankensystem im Speziellen, dass die geographische Marktorientierung (Kap. 5.1) von Banken …” „… Sonderaufgaben, z.B. KfW-Bankengruppe), der strikten Gliederung in drei Säulen (private Banken …” „… . Dezentrale versus zentrale Bankensysteme 87 Kundenbetreuer der Bank) sich räumlich nahe sind. Regionale …”

Verzeichnisse S. 171-188

„… / bankreview/fin_bank_reviewfinal.cfm; zuletzt geprüft am 25.10.2016. Deakins, D., Whittam, G.; Wyper, J. (2010): SMEs' access to bank …” „… . Oxford, New York: Oxford University Press. Demirgüç-Kunt, A.; Levine, R. (2001): Bank-Based and …” „… . Flögel, F. (2016): Distance and Modern Banks’ Lending to SMEs: Decentralised versus Centralised Banking …”

F. Ausblick und strategische Handlungsoptionen S. 163-170

„… Konzeption ist die Unterteilung von Banken und Bankensystemen in dezentrale und zentrale Systeme. Dezentrale …” „… uns von der Gegenüberstellung dezentraler und zentraler Banken und Bankensysteme, die …” „… empirisch gestützten Konzeption den Zusammenhang zwischen Banken und Raum erörtert. Kerngedanke dieser …”

E. Fokus Dezentrale Sparkassen: Die Frage nach dem „WIE“ S. 114-162

„… Bankenmärkte liberalisiert, öffentliche Banken privatisiert und die regionale Ausrichtung von Sparkassen …” „… konditionenorientierter als im ehemaligen Landkreis Ludwigslust. Regionaler Bankenmarkt: Private Banken Quelle: Eigene …” „… Bankenmarkt: private Banken und GLS Bank Quelle: Eigene Karte Karte 13: 9. Sparkassen und ihr regionaler …”

A. Einleitung S. 9-12

„… NATIONAL BANK AG, Herr Dr. Lange, beim Parlamentarischen Abend der Bankenvereinigung NRW am 16.10.2013 …” „… Vertreter des Bankenverbands ungewöhnlich. Traditionell geht es Banken in privatwirtschaftlicher Rechtsform …” „… Klassifikation und wenden diese für das deutsche Bankensystem an. Dass die Klassifikation und Analyse von Banken …”

Titelei/Inhaltsverzeichnis S. 1-8

„… : Transaktionsorientiertes versus beziehungsorientiertes Banking 3.3 66 Banken- und Finanzsysteme im Vergleich4. 69 Größe der …” „… Nomos Raum und Banken Zur Funktionsweise regionaler Banken Stefan Gärtner | Franz Flögel …” „… Gelsenkirchen Band 2 BUT_Gärtner_3773-4.indd 2 16.05.17 14:33 Zur Funktionsweise regionaler Banken Raum und …”

doi.org/10.5771/9783845280820

Kein Zugriff

Markieren für den Zitationsdownload

Central Banks as a Bank Supervisor

Stanyo Dinov

Reihe: Wissenschaftliche Beiträge aus dem Tectum Verlag: Rechtswissenschaft

Band 90 2017

Treffer in den folgenden Teilen:

3. The Bank of England S. 29-46

„… The Bank of England Historical background The Bank of England (BoE) was founded in 1694 with the …” „… divisions from Charles Montagu and from the plan of the Scotsman William Paterson as a private bank. By …” „… became increasingly powerful over time. The Bank has the monopoly to issue notes and acted as guardian of …”

2. The Central Banks and their function S. 19-28

„… Central Banks and their function 21 petition on the market.11 The area of banking regulation is a form of …” „… confidence in the banking system, – liaison with international bodies.23 22 Cf. European Central Bank (16), 3 …” „… The Central Banks and their function Originally the function of the banks1 in any society was one …”

4. The Federal Reserve S. 47-88

„… commercial and investment banking in order to prevent bank depositors from additional exposure to risk …” „… between national and states banking interests in the US Congress blocked the proposal for the first Bank …” „… acquisition of additional banks by bank holding companies and (2) to keep banking and commerce separate by …”

Bibliography S. 93-102

„… Regulation European System of Central Banks-Statue The Federal Reserve Act 1913 The Glass-Steagall Act 1933 …” „… stability: the evolving role of the central bank, (2013) Journal of International Banking Law and Regulation …” „… International Law, 243, 265 f. Pierre C. Boyer and Jorge Ponce, ‘Central Banks and Banking Supervision Reformʼ …”

Index of abbreviations S. 11-16

„… Index of abbreviations ACSS American Council of State Savings Supervisors BA Banking Act BHCA Bank …” „… Holding Company Act 1956 BIS Bank for international Settlement BoE Bank of England CB Central Bank CCB …” „… Capital Requirements Directive CRR Capital Requirements Regulation CSBS Conference of State Bank …”

Abstract S. 5-10

„… Abstract The current paper investigates the Central Banks of the three advanced financial systems …” „… financial crisis in 2007, the Bank of England and the European Central Bank, besides their primary monetary …” „… the objectives of both policies. For another, the Central Banks became super-authorities with complex …”

Titelei/Inhaltsverzeichnis S. 1-4

„… Beiträge aus dem Tectum Verlag Reihe Rechtswissenschaften Band 90 Stanyo Dinov Central Banks as a Bank …” „… Supervisor A Comparison of the Function of the Bank of England, the Federal Reserve and the European Central …” „… Bank Tectum Verlag Stanyo Dinov, LL.M. (Heidelberg), (Glasgow) Central Banks as a Bank Supervisor A …”

1. Introduction S. 17-18

„… Introduction As a result of the Global Financial Crisis in 2007 the financial and bank supervision …” „… financial systems. A pivotal role in the new reforms is that the Central Banks (CBs) have to supervise the …” „… banks. Beside their primary function to trigger the monetary policy they also become the role to be bank …”

6. Conclusion S. 89-92

„… Mohan, ‘Banking on the Future: The Fall and Rise of Central Bankingʼ (2011) Journal of Economic …” „… , for instance, the Federal Reserve Bank of New Zealand (1994) decided to reduce its involvement in a …” „… Bank is responsible for market integrity and consumer protection, what shows some similarity to the …”

doi.org/10.5771/9783828867659

Teilzugriff

Markieren für den Zitationsdownload

Central Banks as a Bank Supervisor

Stanyo Dinov

Reihe: Wissenschaftliche Beiträge aus dem Tectum Verlag: Rechtswissenschaft

Band 90 2018

Treffer in den folgenden Teilen:

3. The Bank of England S. 27-44

„… Bank of England 28 Banking Act 1998 The BA 1998 regulated more clearly the relationship be‐ tween the …” „… Prudential Regulation Authority's approach to banking super‐ vision June 2014, 7. 3. The Bank of England 38 …” „… The Bank of England Historical background The Bank of England (BoE) was founded in 1694 with the …”

5. The European Central Bank S. 63-90

„… functions. 5. The European Central Bank 68 MSs created a Banking Union in 2012. The institutional framework …” „… . 163 Guide to Banking Supervision 2014. 164 Cf. Article 6(4) SSM-Regulation. Thomas Gstädtner, EU-Banke …” „… European Central Bank 78 ed by the ECB and Banking Union concerns.178 In addition for the first five years …”

2. The Central Banks and their function S. 19-26

„… banking system.3 Beside these common fea‐ 2. 1 The terminus "bank" is defined in the UK through statutory …” „… bank, (2013) Journal of International Banking Law and Regulation, 407ff. CBs have to limit the systemic …” „… , Should the function of monetary policy and banking supervision be separated?, (1995) 2. The Central Banks …”

Titelei/Inhaltsverzeichnis S. 1-14

4. The Federal Reserve S. 45-62

„… commercial and invest‐ ment banking in order to prevent bank depositors from additional exposure to risk …” „… 1934,82 Banking Act 1933 and 1935,83 Com‐ modity Exchange Act 1936 and the 1956 Bank Holding 79 Baker …” „… State Bank v Haskell (1911) the court defined that banking can be one of the industries which can be …”

Bibliography S. 97-108

„… European Market Infrastructure Regulation European System of Central Banks-Statue The Federal Reserve Act …” „… Act 1933 The Banking Act 1935 The Commodity Exchange Act 1936 The Commodity Exchange Act 1956 The Bank …” „… Central Bank Indepen‐ denceʼ, in S. Eijffinger and D. Masciandaro (eds), The Handbook of Central Banking …”

1. Introduction S. 15-18

„… Central banks as a bank supervisor, a comparison of the function of the Bank of England, the …” „… Federal Reserve and the European Central Bank Introduction As a result of the Global Financial Crisis in …” „… 2007 the finan‐ cial and bank supervision in many countries was reformed. This book is devoted to …”

6. Conclusion S. 91-96

„… Rakesh Mohan, ‘Banking on the Future: The Fall and Rise of Central Bankingʼ (2011) Journal of Economic …” „… rea‐ son, for instance, the Federal Reserve Bank of New Zealand (1994) decided to reduce its …” „… the Bank is responsible for market integrity and consumer protection, what shows some similarity to …”

doi.org/10.5771/9783828869622

Teilzugriff

Markieren für den Zitationsdownload

Aufsichtsratsausschüsse als neue Akteure der internen Corporate Governance von Banken

Caroline Bronnert-Härle

Reihe: Schriften zum Gesellschafts-, Bank- und Kapitalmarktrecht

Band 58 2016

Treffer in den folgenden Teilen:

§ 13 Schlussfolgerung: Das Recht der Aufsichtsratsausschüsse als weiterer Ausschnitt einer bankenspezifischen Corporate Governance S. 332-340

„… eine Bank-AG § 4 B. 237 Hierzu schon § 5 A II. 238 Emmenegger, in: Schweizerische Bankrechtstagung 2011 …” „… Regelungsregime einer Bank-AG ergibt sich aus dem Zusammenwirken der privatrechtlichen Vorgaben des Aktienrechts …” „… eine entscheidende Rolle in der internen Corporate Governance von Banken zu, deren Bedeutung sich durch …”

§ 4 Aufsichtsrechtliche Grundlagen der Corporate Governance S. 53-68

„… , Bankbilanzen und Bankenaufsicht, S. 30 ff.; ausführlich zu Gründen und Folgen sog. Banken-Runs Fest …” „… hiermit einhergehenden Banken-Runs auf weitere Institute oder sogar den gesamten Bankensektor ausdehnen …” „… . 195 Fest, Regulierung von Banken, S. 55; Burghof/Rudolph, Bankenaufsicht, S. 4; Wundenberg, Compliance …”

Literaturverzeichnis S. 353-374

„… Ausschusses für Bankenaufsicht vom Februar 2006 –, in: Entwicklungslinien im Bank- und Kapitalmarktrecht …” „… für Bankenaufsicht, S. Macey, Jonathan R./O’Hara, Maureen, The Corporate Governance of Banks, FRBNY …” „… , Karsten/Brandi, Tim Oliver/Sinhart, Michael/Lorenz, Mark/Löw, Hans- Peter, Das Banken-Restrukturierungsgesetz, BB …”

§ 1 Einleitung S. 23-26

„… Grundlagen der Corporate Governance herausgearbeitet (§ 4 B und C). Da eine Bank-AG regelmäßig sowohl dem …” „… Organisationsautonomie des Aktienrechts durch detaillierte Organisationsvorgaben des Aufsichtsrechts in einer Bank-AG …” „… Investment-Bank Lehman Brothers im Jahre 2008 oder die staatliche Rettung großer Finanzinstitute wie z.B. Fannie …”

§ 6 Normative Grundlagen und gesetzgeberischer Hintergrund S. 111-121

„… Aufsichtsratsausschüsse infolgedessen als neue Akteure interner Corporate Governance einer Bank-AG darstellen, sind …” „… der Bank-AG durch den im Zuge des CRD-IV-Umset- Zweiter Teil: § 6 111 zungsgesetz neu eingeführten …” „… , sondern auf der zuvor geltenden Banken-Richtlinie 2006/48/EG. 17 CEBS-Guidelines on Remuneration Policies …”

§ 2 Allgemeine Grundlagen der Corporate Governance S. 26-33

„… Organisationsautonomie des Aktienrechts durch detaillierte Organisationsvorgaben des Aufsichtsrechts in einer Bank-AG …” „… for Banks, S. 5, 13 f.; kritisch auch Ghoshal/Moran, The Academy of Management Review 1996, 13 ff. 24 …” „… Heremans, Corporate Governance Issues for Banks, S. 5, 13 f., wobei die Risikogeneigtheit der Eigentümer im …”

Titelei/Inhaltsverzeichnis S. 1-22

„… den Aufsichtsrat einer Bank-AG 58 Nomos Schriften zum Gesellschafts-, Bank- und Kapitalmarktrecht …” „… Aufsichtsrat einer Bank-AG Nomos BUT_Bronnert_2962-3.indd 3 04.03.16 13:11 Die Deutsche Nationalbibliothek …” „… Corporate Governance§ 4 53 Warum Banken anders sindA. 54 Notwendigkeit einer bankenspezifischen Corporate …”

§ 12 Aufsichtsratsausschüsse im System interner Corporate Governance S. 324-332

„… Aufsichtsrats, S. 35; Brandt/Karg, in: Hopt/Wohlmannstetter, Corporate Governance von Banken, S. 583, 584 …” „… Besonderheiten des Unternehmenstypus „Bank“ unterscheiden sich die durch die Governancemechanismen zu lösenden …” „… : Hopt/Wohlmannstetter, Corporate Governance von Banken, S. 31, 53; hierzu auch schon § 4 C. 218 Insoweit eine …”

§ 5 Im Spannungsfeld von Aktien- und Aufsichtsrecht S. 68-111

„… Struktur einer Bank-AG Die Grundsätze zur Verhältnisbestimmung von Aktien- und Aufsichtsrecht wirken sich …” „… schließlich auf die Corporate Governance Struktur einer Bank-AG aus. Aufgrund der hieraus folgenden …” „… Regelungsquelle folgenden Ziele bezieht, übersieht aber, dass sich die Corporate Governance einer Bank-AG gerade …”

§ 8 Ausschussaufgaben S. 146-203

„… den Aufsichtsrat einer Bank-AG regelmäßig nicht von einer Aufgabenübertragung nach § 25d Abs. 11 S. 2 …” „… einer Bank- AG als in den ebenfalls vom KWG erfassten Volks- und Raiffeisenbanken sowie Sparkassen …” „… , Bankrechts-Hdb. II, § 109 Rn. 99. 323 So für § 64a VAG Armbrüster, VersR 2009, 1293, 1298; Louven/Raapke, Vers …”

§ 11 Auswirkungen des § 25d Abs. 7 bis 12 KWG auf den Gesamtaufsichtsrat S. 267-324

„… Aufsichtsrats einer Bank-AG bzw. den Charakter einer Mitgliedschaft in einem Bank-Aufsichtsrat verändern, ist …” „… Banken-Aufsichtsrats anzusehen. Diese Feststellung leitet zum dritten Teil vorliegender Arbeit über, der der Frage …” „… Akteure im internen Corporate Governance Gefüge eine Bank-AG darstellen. Hierfür werden in einem ersten …”

Vierter Teil: Zusammenfassung der wesentlichen Ergebnisse in Thesen S. 340-353

„… Aufsicht. § 5 Im Spannungsfeld von Aktien- und Aufsichtsrecht 3. Das Regelungsregime einer Bank-AG ergibt …” „… Banken unterscheiden sich die zu lösenden Governancekonflikte von denen sonstiger Unternehmen. Im …” „… Bankgesellschaftsrechts ist die Existenz einer staatlichen Aufsichtsbehörde, die mit umfangreichen Eingriffsbefugnissen …”

§ 3 Aktienrechtliche Grundlagen der Corporate Governance S. 33-53

„… Auswirkungen auf die Corporate Governance Struktur in Banken in Teil 3 der Arbeit beleuchtet werden (vgl. § 13 …” „… volkswirtschaftlich hervorgehobenen Stellung unterscheiden sich Banken in einer Vielzahl von Aspekten von Unternehmen …” „… der Realwirtschaft (hierzu A). Aus dieser Andersartigkeit der Banken folgen Konfliktsituationen, die …”

§ 10 Ausschussbesetzung S. 233-267

„… Ausschussarbeit zugunsten gesteigerter Effizienz. Insgesamt betrachtet verfügt ein Banken-Aufsichtsrat damit …” „… Bestandteil der Organisation eines Banken-Aufsichtsrats anzusehen. Diese Feststellung leitet zum dritten Teil …” „… § 25d Abs. 7 bis 12 KWG als neue Akteure im internen Corporate Governance Gefüge eine Bank-AG …”

§ 7 Ausschusseinrichtung S. 121-146

„… : Schimansky/Bunte/Lwowski, Bankrechts-Hdb. II, § 129 Rn. 32. 116 Begr. RegE, BT-Drucks. 17/10974, S. 88 für die Beurteilung …” „… der Deutschen Bank genannt, hierzu Plagemann, NZG 2013, 1293 ff. 121 Begr. RegE, BT-Drucks. 17/10974 …” „… . Insoweit findet der Gesetzgeber im Bankaufsichtsrecht eine andere Ausgangslage vor. Denn während das AktG …”

§ 9 Ausschussarbeit S. 203-233

„… Aufgabenspektrums eines Aufsichtsrats in Banken. Zwar bewegen sich die aufgabenbezogenen Organisationsvorgaben …” „… Aufsicht über Bankengruppen, S. 118 ff. 486 Leyens/Schmidt, AG 2013, 533, 543; Hopt, in: GroßKomm AktG …”

doi.org/10.5771/9783845273549

Kein Zugriff

Markieren für den Zitationsdownload

Using Money

Udo Reifner

Reihe: Schriften des Instituts für Finanzdienstleistungen e.V.

Band 13 2007

Treffer in den folgenden Teilen:

Banker’s Characters S. 43-44

„… could become established as a market strategy, was too good to be true. Banker’s Characters Committed …” „… Bankers, in whom humanity and business are unified, who combined being a citizen with being a member of …” „… religion still had more power. A Jewish banker, my friend David Caplovitz once told me, always supported a …”

Encapsulated Bank Business S. 109-111

„… force can only handle the bankruptcy of small banks. But there is more. The second banking directive …” „… 109 Finland, Denmark, France, Greece, Italy poured billions of tax money into bankrupt banks. The …” „… "insufficient funds." But we refuse to believe that the bank of justice is bankrupt. We refuse to believe that …”

More Power to the Banks S. 93-95

„… . We need banks to have this power for the following reasons: the first EU-Banking Directive gives …” „… the twentieth century. Its resurrection could guarantee the survival of small banks in rural areas …” „… . 94 More Power to the Banks Financial services are at the centre of everything. They take capital from …”

Banks only manage the Money for Others S. 32-33

„… patient for a doctor. Banks only manage the Money for Others Banks have taken on the task of managing the …” „… asked, Swiss banks would float in a sea of blood and tears. But money cannot fulfil its role if we hang …” „… disadvantages correctly and made a deal. The bank takes responsibility for ensuring that the money is applied as …”

Group-Orientation of Bank Outlets, Financial Literacy, Pensions and Start-ups S. 127-129

„… In Projekt BankLocal (Local Bank Branch Project), we prepared an interim report for a Hamburg branch …” „… circumstances determine the possibilities of and limitations on the bank-client relationship. We expect that …” „… 127 Banks and has been proposed as a European wide guideline for 2002. Hopefully this is not just …”

Low-Income Banking S. 108

„… extension has to be remodelled from equity loans to cash flow lending; Bank-client relationships have to be …” „… developed into bank-client group relations incoprorating social intermediaries; Short and medium term has to …” „… heard a lot about the American Community Reinvestment Act. While American banks officially denounce the …”

More Openness in the Banking Sector S. 141

„… 141 ing states by corrupting their wealthy elites with low-taxation and bank secrecy offers). We …” „… from the German Sparkassen (savings banks) and Giroverband, the Hamburger Sparkasse, Deutsche Bank, and …” „… Teambank. In 2007 a number of Sparkassen, Dresdener Bank, ING-Diba and various financial journals will join …”

Securing the Fruits of Sustainable Banking S. 80-82

„… Fruits of Sustainable Banking In general, rationally behaving banks and especially insurers - who by …” „… denounces, for example, the close relationship between the State and savings banks in Germany on one hand …” „… Community Reinvestment Legislation imposes on US banks - as we have outlined in our European study which …”

The public aspect in private economy S. 108-109

„… extension has to be remodelled from equity loans to cash flow lending; Bank-client relationships have to be …” „… developed into bank-client group relations incoprorating social intermediaries; Short and medium term has to …” „… bankrupt banks. The present EU directive on bank failure does not even handle the case that bigger banks …”

The Euro will Catalyse S. 104-105

„… banks and insurance companies to invest their money quicker and more comfortably in more profitable …” „… ties of banks and insurance companies as they especially exist with savings and coop banks as well as …” „… small regional banks will be loosened through increased competition and deregulation. The historical …”

Trust is Good for the Economy S. 33-35

„… ? Banks now reflect upon what Corporate Social Responsibility means when it is applied to Shareholder …” „… a professor in bank management, who took the shareholder approach as a starting point, a professor …” „… as ethics in communications about money in the course of bank business. Trust is Good for the …”

Profit is the Power Engine of the Economy S. 102-104

„… away in an increasingly europeanwide managed banking system. Local and regional ties of banks and …” „… investments of small banks which was one of the important factors of the American „Small Banking Crisis". …” „… telecoms which presently flood th estock markets or insurance companies and bigger banks attract money …”

Money as a Security S. 49-59

„… , micro-lending principles, its virtual small business centre and the community bank branch model (“BankLocal …” „… thresholds of the DAX and Dow Jones indices, the black hole in balancesheets, the 15% return on banks’ own …” „… ”). These ideas could be put into practice and tested. Banks fear a return to thrift and collective …”

Financial exclusion in Modern Societies S. 82-90

„… credit scoring data bases. This may deprive from access to a bank account, to a credit card, to economic …” „… bank accounts. Sweden is the country with the highest percentage of forced cancellation of bank …” „… insurmountable fee barriers have built barriers to pension schemes as well as bank accounts to those who need …”

“Community Responsibility in Financial Services” S. 113-115

„… bankruptcy schemes“ in Europe. We hope to be able to present the book on „Bank Safety and Soundness“ from the …” „… our bi-monthly „BankWatch“ some information in English and French is equally available. Our …” „… especially our friends at the branches of South Shore Bank in Chicago, Woodstock Institute, LISC, University …”

International Coalition Building S. 140-141

„… for the common good. Moreover, banks are not used to dealing with small entities. That is also …” „… availability of spare capacity. Through this communication, we have come to know a new type of banker, who …” „… misunderstandings. A Belgian money adviser, like many providers, thought that we were too critical of the banks; an …”

Money as a Means for Communications S. 42-43

„… the metropolises, the World Bank, the European Commission, the IWF and the WTO. The curse is …” „… , that social finance could become established as a market strategy, was too good to be true. Banker’s …” „… Characters Committed Bankers, in whom humanity and business are unified, who combined being a citizen with …”

Second Best S. 107-108

„… banking: Credit extension has to be remodelled from equity loans to cash flow lending; Bank-client …” „… relationships have to be developed into bank-client group relations incoprorating social intermediaries; Short …” „… confidence with clients which a bank may cash in when a client invests into "his or her bank". Regionally …”

“Creditworthy Lenders” S. 35-38

„… building up trust. Lending binds people to each other and enables mutual aid and trust. GLS bank Germany …” „… because the first banks gained the trust of investors, which was co-operation between strangers for the …” „… same ends. This trust enabled the economy to grow. Many bankers, who base their ruthlessness towards …”

Reconcilng Egoism wth Solidarity S. 78-80

„… “over-banked”. Bill Gates predicts the end of banks while bankers themselves still believe in their future. But …” „… new guideline of the Basle Committee, an informal meeting of central bankers proposes that our banking …” „… relationship with banks conditional upon the banks' agreement to provide services for difficult clients or …”

“Export Finance for Engineers“ S. 141-142

„… done using current criteria. The school banking project has been of considerable interest to banks and …” „… 141 ing states by corrupting their wealthy elites with low-taxation and bank secrecy offers). We …” „… from the German Sparkassen (savings banks) and Giroverband, the Hamburger Sparkasse, Deutsche Bank, and …”

A unified Market S. 98-99

„… 98 When the general public demand of banks that the latter undertake confidence creating activities …” „… with cultural or charitable giving - we will arrive at a new state of co-operation between the banks …” „… partnership and measured trust and confidence. 1996 – Banks and Social Responsibility - Regulation and Market …”

Confronting Fatalism S. 95-98

„… can be done in the short term and what does this have to do with banks? Keynes entered into this …” „… and in this way blocks recovery, which may be understood from the typical components in banks …” „… respect banks need know-how on how to progress and market financial services and products in these areas …”

International Challenge S. 115-117

„… internationalization not using its possibilities for own developments while banks and insurance companies just do the …” „… free of charge bank account only for people in work.. We try to show that this openly discriminating …” „… and knowledge. Consumer orientation was one of the issues of our seminars with savings banks, coop …”

The Private Sector as a New Research Partner S. 139-140

„… youth banking at Deutsche Bank and management training at Creditplus, which we may extend to …” „… together banks, bank customers and people with an interest in banks to discuss the issue of social …” „… Volkswagenbank and Deutsche Bank shortly. Our private pension product designs are finding their way into provider …”

Money as Virtual Information S. 65-66

„… thread which runs through the biographies of the banker Salomon and the poet Heinrich Heine in our home …” „… town. Eminent private bankers are a thing of the past. Modern bankers are in the main mere money …” „… , the Berliner Bank has been restored with a 30 billion Euro bailout from the City who took it from …”

Social Investment and Small Business Financing S. 120-121

„… providers. This includes not only consumer organisations but also banks, insurance companies and other …” „… relevant consumer orientated activities in financial services. The contracts with banks and law firms who …” „… . Besides, our test for the German weakly “Stern” concerning the willingness of banks to extend credit to …”

Money is a Scarce Good. S. 99-100

„… . Where do we think money will predominantly be invested? Will bank credit be poured into tourism of the …” „… Bank, Crédit Lyonnais, Amsterdam Rotterdam Bank, Banco die Roma or Barclays expand their activity more …” „… in the Belgian Wallonie? Nobody less than the German central bank president Tietmeyer pressed to …”

Göteborg conference: “Access to Financial Services” S. 119-120

„… unions, social investment activists with bankers, insurers, politicians and development agencies. „Access …” „… “ will cover such issues as basic bank accounts and new products for high risk clients, new forms of …” „… such as the European Savings Bank association, INAISE and some other interested commercial or coop …”

“Internal Ethics” – “External Ethics” S. 23-27

„… have since long left this early stage of banking and entered the stage of professional banks which …” „… was awarded, and which both the EU Commission (DG Social Policy) and the World Bank elevated to a …” „… . Money advisers and bankers supported by collection points can appoint themselves as teachers for young …”

The State and the Law: Payment and Bankruptcy Law S. 125

„… elements of financial education for a sustainable future. The State and the Law: Payment and Bankruptcy Law …” „… The last year has seen us heavily involved in questions concerning consumer bankruptcy procedures. One …” „… autonomy in the increasing role the State plays in European banking and its regulation. Many of the experts …”

Using Money rather than Having it S. 28-32

„… advisers and bank-customer advisers should discuss the basis for the creation of this sense of …” „… serious disagreement as to how public confidence should be created. A man from Deutsche Bank who according …” „… to a respected English newspaper, was the most successful banker of the year 2005, with a 26% return …”

Titelei/Inhaltsverzeichnis S. 2-10

„… faith 92 1998 – Responsibility in Banking 93 More Power to the Banks 94 Confronting Fatalism 95 1996 …” „… Low-Income Banking 108 The public aspect in private economy 108 9 Encapsulated Bank Business 109 1995 …” „… machine or similar means, and storage in data banks. Under § 54 of the German Copyright Law where copies …”

The Different Facets of the Truth S. 61-63

„… offered to the politicians chosen by the meantime bankrupt Berliner Bank, or whether we reinvigorate the …” „… of revenues and private banking and the remuneration of investment bankers must be made to pay even …” „… that it is better than national insurance and mortgage banks are merging, because in Germany it …”

Ghetto Economy in the US S. 75-78

„… a social agenda of meeting the shortfall in provision by the banks, but they are still providers …” „… the banks in Germany. The work was a success in terms of IFF's reputation but not in terms of the …” „… self-help. Informal banks are very appealing, but have to be measured by the yardsticks applicable to …”

Inappropriate Products asits Advantages for it Suppliers S. 66-67

„… “warehouses” (banks) and “cashiers” (thrifts) are becoming obsolete. The contemporary financial services …” „… become integrated in the exchange of goods, where bank deposits take place at the bakery round the corner …” „… software at home or in Internet cafes provide not only bank statements, but also individual budgets. The …”

A Year of Auditors and Authorities S. 138-139

„… justice. We also support youth banking at Deutsche Bank and management training at Creditplus, which we …” „… calls for tenders that presuppose knowledge of the banks’ internal figures. Prolonged preliminaries and …” „… each other,” brought together banks, bank customers and people with an interest in banks to discuss the …”

Financial Literacy and Prevention of Over-Indebtedness S. 131-133

„… looking for a partner in the banking sector for the follow-up “Bank in a school” project, for which …” „… surprisingly no bank or savings bank has been able to muster up the necessary enthusiasm, despite the fact that …” „… teachers and schools welcome the project and want to put it into effect. The involvement of the bank would …”

Expertises and Projects S. 144-146

„… (amended by 90/88) on Consumer Credit in the member states : Consumer Credit in Germany 145 Bank Security …” „… Bank Standard Contract Terms and EEC-Consumer Protection Law Methods of Calculation in the European …” „… in Regional Development - Northern Approaches and Programs in Development Financing Control of Banks …”

“Perfection of Life or of Work?” S. 90-91

„… together with feudal bank systems for the upper classes or a retail banking system which serves all EU …” „… corresponding bank behaviour, especially as far as charges are concerned. But this is not exactly what we …” „… understand as consumer protection and the social responsibility of banks. The Commission’s new programme for …”

Social Audit of the Market Economy S. 80

Facilitating Self-determined and Effective Consumption S. 59-61

„… guarantee offered to the politicians chosen by the meantime bankrupt Berliner Bank, or whether we …” „… of revenues and private banking and the remuneration of investment bankers must be made to pay even …” „… this bank at the perfection of its dealings, which in turn enables it to accuse its opponents of being …”

Truth as a Source of Legitimacy S. 63-65

„… key witness, has his courtesan fling the following words at the Banker von Nucingen in a box at the …” „… evil eye, dark master!”31 David Caplovitz drew my attention to the fact that traditional banker …” „… thread which runs through the biographies of the banker Salomon and the poet Heinrich Heine in our home …”

Final Quality Testing for the Economy S. 125-127

„… In Projekt BankLocal (Local Bank Branch Project), we prepared an interim report for a Hamburg branch …” „… manuals and handbooks and we were involved in the re-structuring of the subsidiary of a major bank with a …” „… today is only established through the image of the bank standing by its client even in times of crisis …”

Successfully completed Projects S. 130-131

„… Hamburg education authority are looking for a partner in the banking sector for the follow-up “Bank in a …” „… Prevention at SME (Ministry of Research BMFT), Planning for a Local Bank Branch (BMFT), Financial Literacy in …” „… school” project, for which surprisingly no bank or savings bank has been able to muster up the necessary …”

Against Social Discrimination S. 45-46

„… . French (and US) law prohibits a bank from using its power in the credit relationship to control small …” „… , which is reserved to the banks and subject to particular vigilance. Against Social Discrimination New …” „… EUROFI-NAS to member consumer credit banks. It went as follows: “For competitive reasons, Eurofinas clearly …”

Iff Publications S. 121-122

„… prize winners of the start-up competition. Our Hamburg round table with bankers organised by the …” „… financial institutions concerning Microlending, local presence of banks through mini bank outlets and new …” „… four books, two of them in English language, “The Social Responsibility of Banks in Europe” as well as …”

Berlemont: The 26<sup>th</sup> state of the EU? S. 46-47

„… longer want to consume, they want money not as a means but as an end. The Anglo-American banks set the …” „… policy is on the defensive in Brussels. For that reason, French and German High Street banks are more …” „… (multina-47 tional corporations), its own state bank (the European Central Bank) and a politicians’ stock …”

Armatya Sen and the American Economy S. 91-92

„… consumer bankruptcy, never mind forced transparency of bank’s relations to their communities as in the US …” „… poverty riots together with feudal bank systems for the upper classes or a retail banking system which …” „… and future costs as well as the responsibilities of banks, financial institutions and insurance …”

How far can the State correct Deficiencies of the Market? S. 105-106

„… product. The Central Banks are no longer allowed to finance the deficits of governments. But also the …” „… social welfare recepients get their welfare check in cash because banks refused to open bank accounts for …” „… them. As we learned on this conference every fifth English household has no bank account, 13% of the …”

Expansion of the FIS-Database S. 118-119

„… „rent out“ space to banks and other financial insti-119 tutions as well as commercial advisers and …” „… , consumer organisations, debt advice organisations, trade unions, social investment activists with bankers …” „… , insurers, politicians and development agencies. „Access“ will cover such issues as basic bank accounts and …”

The Euro makes Liberalisation Visible S. 100

„… own currency or own financial institutions. The principal of mutual recognition allows each bank and …” „… cut off from the other oceans of Dollar and Yen. The Paraguay Round, the bank for international …” „… where the local parliament attracts banks by deregeluation without usury ceilings. Americans earlier …”

Jurisprudence and Morals S. 44-45

„… 44 left to specialist institutions such as community Sparkassen (savings banks) or cooperative …” „… arrears. French (and US) law prohibits a bank from using its power in the credit relationship to control …” „… , which is reserved to the banks and subject to particular vigilance. Against Social Discrimination New …”

A World Network of Euro-Dollar-Yen S. 100-101

Usury and Bribery S. 15-18

„… to banks, it cannot be too compromising to disclose who invests in our work. 2007 – Money and Ethics …” „… internal conundrum of dishonesty by an employee towards a company. In the case of systematic usury, a bank …” „… disadvantaged without their knowledge to the point that most of the premiums flow back to the banks as internal …”

Debt and Credit Advice S. 117-118

„… distribute thanks to a grant by the German Savings Bank Association - has, with the help of DG XXIV, been …” „… housing finance in various projects for banks and public institutions especially in cooperation with the …” „… German Savings Banks. 118 Expansion of the FIS-Database Our most important international project is still …”

Money is an Irrigation System S. 101-102

„… insurance companies and bigger banks attract money overriding all other attraction. Those companies can levy …” „… by our banks which only in Germany have collected 353 Billion Deutsch Mark. Investment funds who are …” „… direct investments into stocks is equally important for the supply of bank credit which is only another …”

Introduction S. 11-15

„… both sponsor due to important pressures from the instalment bankers’ association as well as by the two …” „… was placed on the social responsibility of banks for their communities and regions, Gothenburg in 2000 …” „… falsely presented us as the only straight opponents of the power of banks in its corresponding series, we …”

Usury: Thresholds and Prohibition S. 47-49

„… 47 tional corporations), its own state bank (the European Central Bank) and a politicians’ stock …” „… needed, for which money is merely a means, not an end. Prominent individual bankers belong in it, who …” „… lend support to systems like the Money-Advice.net Database. The financial press, which ranks banks …”

The Ethical Personality and Actions S. 21-23

„… operate before 6pm and not on bank holidays or after retirement when they carry out good works. Refusal of …” „… do they restrict them? The same questions apply to the opening of a bank account and its management …” „… Industry, French Central Bank) or blameworthy of the overindebted for their own condition (US Congress …”

Financial Services and Poverty S. 78

„… relationship with banks conditional upon the banks' agreement to provide services for difficult clients or …” „… last century that our banks and insurance companies - as well as the software industry - could not …”

A Socially Responsible Proposition: “Micro-lending” and Adjusted Financial Products S. 124-125

„… cellars of banks and government agencies. A Socially Responsible Proposition: “Micro-lending”and Adjusted …” „… German bank. With a grant from the Volkswagen foundation we have also investigated the role of financial …” „… the beginning from Joan Shapiro - at that time senior vice president at South Shore Bank Chicago - who …”

Ethics S. 18-19

„… distribution channels against banks and insurance companies as well as in the homes of their customers in order …” „… and trenchant language, bank trainee Heinrich Heine thanked his banker uncle Salomon Heine for money …”

Has Consumer Protection in Financial Services failed in the EU? S. 133-134

„… OECD, the Central Bank of Japan, the Woodstock Institute in Chicago, the World Bank, the French housing …” „… finance associations, banks and the press. From mid- 2004, we applied to participate as a junior partner …”

Public Interest Organisations S. 122-124

„… leaflets and books in the cellars of banks and government agencies. A Socially Responsible Proposition …” „… together with a major German bank. With a grant from the Volkswagen foundation we have also investigated …” „… South Shore Bank Chicago - who helped us through her numerous visits to Germany and by showing us around …”

The Strain between “Money and Spirit” S. 19

„… peasant family. In provocative and trenchant language, bank trainee Heinrich Heine thanked his banker …”

Social Finance S. 70

The Social policy of the Financial Sector S. 69-70

„… lending, finance companies, cheque cashers, prepaid services, loan sharks, instalment banks, tally men …” „… , basic bank accounts, business guarantees for start-ups, rent funds, and reverse mortgages to release …” „… social finance. The consequence of heightened competition in the banking sector, where minimum standards …”

Discrimination of Asocial Conduct creates Social Behaviour S. 70-71

„… cashers, prepaid services, loan sharks, instalment banks, tally men, pawn shops) or they may be taken on …” „… , asset-backed securities, solidarity pension funds, group products, basic bank accounts, business guarantees for …” „… services or "Investissements de Proximité", proximate investments, which call for relational banking, and …”

Time-Management at iff S. 129-130

„… Europe. The project will be concluded, along with projects on small businesses and bank branches, in …” „… Prevention at SME (Ministry of Research BMFT), Planning for a Local Bank Branch (BMFT), Financial Literacy in …” „… recording, financial planning, book-keeping, electronic banking, address management, macro-support for text …”

The “Charity” S. 19-20

„… peasant family. In provocative and trenchant language, bank trainee Heinrich Heine thanked his banker …”

Charity – “Love Thy Neighbour” S. 38-39

„… (eg. Deutsche Bank) and Retail Banking (eg. RBS) as well as, latterly, Slum Banking (Providential). In …” „… 38 yet been published. There are beginnings in the law. The duty of bankers to discuss the problem …” „… transformed into practice in three assetrelated areas, asset management (eg. Crédit Suisse), Private Banking …”

Competition and Responsibility S. 39-40

„… three assetrelated areas, asset management (eg. Crédit Suisse), Private Banking (eg. Deutsche Bank) and …” „… choice which, when it takes the form of a legal personality, such as a commercial bank, is a stranger to …” „… Retail Banking (eg. RBS) as well as, latterly, Slum Banking (Providential). In other words, it appears …”

The Customer’s faith S. 92-93

„… transaction costs presently burdening European Banks in particular stem from the mechanisms which are seen as …” „… century. Its resurrection could guarantee the survival of small banks in rural areas against all …” „… become one of the most significant cost elements in modern banking. The Asian crisis, break downs in real …”

The Political Agenda S. 106-107

„… create confidence with clients which a bank may cash in when a client invests into "his or her bank …”

Competing for Something instead of against Somebody S. 67-69

„… 67 the banks could thus combine professionalism with appropriately targeted products and services …” „… . Inquiries were made about group advice about securities or pilots to establish whether bank advice services …” „… . At present, however, the banking sector lacks the vision. Old pension savings products are wrapped up …”

No Capital – no Demand S. 72-75

„… and questionnaires submitted to banks in media interviews about the "get-rich-quick society" for a …” „… level of responsibility of the banks for general social well-being will increase exponentially in the …” „… date, prefering to market their products as if they had been the ones to discover provate banking. 2001 …”

Current International Projects 2007 S. 146

„… Enterprise OECD, Paris United States Agency for International Development (USAID) World Bank, Washington D.C. …”

Principals (International Organisations) S. 146

„… Enterprise OECD, Paris United States Agency for International Development (USAID) World Bank, Washington D.C. …”

iff as Organisational Concept S. 130

„… Prevention at SME (Ministry of Research BMFT), Planning for a Local Bank Branch (BMFT), Financial Literacy in …” „… , financial planning, book-keeping, electronic banking, address management, macro-support for text and …” „… organisational anchorage of the subject areas we target, such as retail banking/ consumer protection, building …”

Outlook for the year 2007 S. 142

„… interest to banks and Sparkassen, and will be expanded this year with a further module entitled “retirement …” „… of CAWN data will be done using current criteria. The school banking project has been of considerable …” „… pensions” as well as a “direct banking” unit. CAWIN 8.0, the money advice software, has been made ready for …”

Cooperation with the University of Hamburg S. 142-143

1995 – Rationalisation and Supply S. 111-112

„… 111 "insufficient funds." But we refuse to believe that the bank of justice is bankrupt. We refuse …” „… friends call „social investment“. Our efforts in small business lending, in housing projects and banking …”

iff as a Small Business with Big Radiation – Some Figures S. 134-135

„… programme, who enable critical co-existence of consumers and banks in constructing the future or who seek …”

Fewer EU Tenders – Many Project Applications S. 135-136

„… enable critical co-existence of consumers and banks in constructing the future or who seek new ideas and …”

Differentiation and Exclusion S. 27-28

„… advisers and bank-customer advisers should discuss the basis for the creation of this sense of …” „… subject areas, see their work as part and parcel of the process of opening up the banking system as a …”

Market and Justice S. 40-41

„… takes the form of a legal personality, such as a commercial bank, is a stranger to awe. At the same …”

Our Services S. 137-138

„… pays, and calls for tenders that presuppose knowledge of the banks’ internal figures. Prolonged …”

Self-Interest and Public Interest S. 20-21

„… operate before 6pm and not on bank holidays or after retirement when they carry out good works. Refusal of …”

Re-feudalisation of the Economy S. 41-42

„… the metropolises, the World Bank, the European Commission, the IWF and the WTO. The curse is …”

Social responsibility S. 69

„… social finance. The consequence of heightened competition in the banking sector, where minimum standards …”

European Cooperation S. 71

„… call for relational banking, and correspond to the German word "Nächsten“ ("Nächstenliebe"). The Market …”

The Market as Focus S. 71-72

„… call for relational banking, and correspond to the German word "Nächsten“ ("Nächstenliebe"). The Market …” „… provate banking. 2001 – "Work Harder" Whereas the theme of our last New Year's Newsletter was the …”

Who is in Charge of the Capital Markets? S. 101

„… currencies are comparable to dams. We all know from the bankruptcy of non-convertible currencies in the …”

Media and a Critical Public S. 125

doi.org/10.5771/9783845204529

Kein Zugriff

Markieren für den Zitationsdownload