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Outsourcing im Finanzgewerbe - Status Quo und Bewertung

Outsourcing im Finanzgewerbe - Status Quo und Bewertung


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About the Book

Studienarbeit aus dem Jahr 2007 im Fachbereich BWL - Allgemeines, Note: 2,0, Rheinisch-Westfälische Technische Hochschule Aachen, Sprache: Deutsch, Abstract: Die aktuelle wirtschaftliche Lage der deutschen Finanzdienstleistungsinstitute kann als nicht allzu rosig bezeichnet werden. So kennzeichnen den deutschen Bankenmarkt eine starke Fragmentierung, hoher Wettbewerbsdruck, unzureichende Kosten-/Ertragsrelationen und niedrige Eigenkapitalrenditen. Es verwundert also nur wenig, dass die deutschen Banken im internationalen Vergleich einen der hinteren Plätze belegen. Der deutsche Bankenmarkt gilt als "overbanked" und "overbranched". Zwar haben sich die Rahmenbedingungen wie der sich allmählich erholende Kapitalmarkt und die insgesamt verbesserte konjunkturelle Lage positiv entwickelt, doch ist die Situation nach wie vor ernst. Bei der Suche nach Verbesserungsmöglichkeiten orientieren sich die Kreditinstitute verstärkt an Industrieunternehmen. So wird gerne bildhaft die traditionell hohe Wertschöpfungstiefe im Finanzgewerbe mit der vergleichsweise äußerst niedrigen Fertigungstiefe in der Automobilindustrie verglichen. Würde diese so arbeiten wie die sehr universalistisch aufgestellten deutschen Kreditinstitute, so die kühne Behauptung, dann würde sie sogar noch die Rinderherden züchten, um aus deren Haut das Leder für die Innenausstattung der Fahrzeuge zu gewinnen.Tatsächlich bewegt sich die Fertigungstiefe der Finanzindustrie um 80 Prozent und die der Automobilindustrie nur um etwa 20 Prozent. Die Verringerung der Wertschöpfungstiefe stellt somit eine Möglichkeit dar, die strukturelle Krise der deutschen Kreditinstitute zu durchbrechen. In diesem Zusammenhang fällt in der öffentlichen Diskussion immer wieder das Stichwort "Outsourcing". Laut Gabler Wirtschaftslexikon bedeutet Outsourcing eine "Verlagerung von Wertschöpfungsaktivitäten des Unternehmens auf Zulieferer. Outsourcing stellt eine Verkürzung der Wertschöpfungskette bzw. der Leistungstiefe des Unternehmens


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Product Details
  • ISBN-13: 9783638825740
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 2 mm
  • Weight: 100 gr
  • ISBN-10: 3638825744
  • Publisher Date: 11 Oct 2007
  • Height: 210 mm
  • No of Pages: 28
  • Series Title: German
  • Sub Title: Aktuelle Entwicklungen in der Finanzindustrie
  • Width: 148 mm


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