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Pfandbrief - Pfandbriefgesetz vs. Novellierung des HBG

Pfandbrief - Pfandbriefgesetz vs. Novellierung des HBG


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About the Book

Studienarbeit aus dem Jahr 2004 im Fachbereich BWL - Investition und Finanzierung, Note: 1,8, Duale Hochschule Baden-Württemberg, Stuttgart, früher: Berufsakademie Stuttgart (Ausbildungsbereich Wirtschaft), Sprache: Deutsch, Abstract: Die deutschen Hypothekenbanken waren in ihrer langen Geschichte immer wieder mit tief greifenden Wechsel ihres geschäftlichen Umfeldes konfrontiert. Es handelte sich hierbei um wandelnde Rahmenbedingungen, die zum Teil politisch motiviert waren oder um Auswirkungen von Konjunkturphasen auf die Immobilienfinanzierung. Um die Leistungsfähigkeit des Wirtschafts- und Finanzstandortes Deutschland zu steigern, hat die Bundesregierung gesetzliche Regelungen verabschiedet. Ein Beispiel für diese Maßnahmen ist das 4. Finanzmarktförderungsgesetz (4.FinMFöG), dass am 14. November 2001 verabschiedet wurde und am 1.Juli 2002 in Kraft trat. Die Veröffentlichung der Rechtsverordnung zur barwertigen Deckungsrechnung durch die Bundesanstalt für Finanzdienstleistung (BaFin) erfolgte Ende des Jahres 2003. Diese Rechtsverordnung regelt die Details der barwertigen Deckung. Die Globalisierung der Finanzmärkte, technischer Fortschritt, Wandel der Kundenbedürfnisse und fortschreitende Europäisierung des Pfandbrief- und Hypothekengedankens steigern den Wettbewerbsdruck. Zudem verkürzen sich die Halbwertzeiten bestehender Strukturen immer mehr. Vor diesem Hintergrund ist auch die anstehende Novellierung des Hypothekenbankgesetzes (HBG) zu sehen. Der Erfolg des Pfandbriefes am internationalen Kapitalmarkt hat bewirkt, dass mehr und mehr europäische Nachbarstaaten am deutschen Hypothekenbankgesetz angelehnte Gesetze verabschiedet und modernisiert haben bzw. solche Gesetze beraten. Die letzten Erneuerungen der Pfandbrief- und Hypothekenbankgesetze in Irland, Finnland, Frankreich und Luxemburg erlauben in mancher Hinsicht mehr Spielraum für dortige Institute als das deutsche HBG. Der Rechtsrahmen zur Emission von Pfandbriefen ist seit jeher konsequent auf das Siche


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Product Details
  • ISBN-13: 9783638713511
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 60
  • Series Title: German
  • Weight: 141 gr
  • ISBN-10: 3638713512
  • Publisher Date: 04 Aug 2007
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 4 mm
  • Width: 148 mm


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