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Niedrigzinsphase, Standardisierung, Regulierung: Regionale Banken was nun?

Author

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  • Flögel, Franz
  • Gärtner, Stefan

Abstract

Die dezentralen Sparkassen und Kreditgenossenschaften in Deutschland gelten als prädestinierter Finanzpartner von KMU. Jedoch werden Zweifel an der Bedeutung und Zukunftsfähigkeit dieser mehr als 1.400 kleinen und regionalen Banken geäußert. Exemplarisch zeigen wir auf, dass dezentrale Banken trotz der Standardisierung von Kreditvergabeprozessen und insbesondere dem gesetzlich vorgeschrieben Einsatz von Ratingsystemen weiterhin Kredite vor Ort entscheiden. Daher können sie weiche Informationen besser berücksichtigen und somit Kreditrestriktionen lindern. Eine wichtige Säule dieser Vor-Ort-Entscheidungskompetenz ist die gesicherte regionale (einlagenbasierte) Refinanzierung. Die expansive Geldpolitik der EZB setzt das Einlagengeschäft jedoch unter Druck und wird somit zu einer Herausforderung für die Sparkassen und Kreditgenossenschaften.

Suggested Citation

  • Flögel, Franz & Gärtner, Stefan, 2016. "Niedrigzinsphase, Standardisierung, Regulierung: Regionale Banken was nun?," IAT Discussion Papers 16/02, Institut Arbeit und Technik (IAT), Westfälische Hochschule, University of Applied Sciences.
    • Handle: RePEc:zbw:iatdps:1602
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    More about this item

    Keywords

    savings and cooperative banks; decentralised banking; SME finance; low-interest phase;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies

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