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Zugang zu Kreditinformationen fördert Markteintritte europäischer Banken

Author

Listed:
  • Nicola Jentzsch
  • Caterina Giannetti
  • Giancarlo Spagnolo

Abstract

Banken sind bei der Kreditvergabe auf verlässliche Informationen über die Bonität und Risikostruktur potentieller Kreditnehmer angewiesen. Diese Informationen werden in der Regel von nationalen Kreditauskunfteien gesammelt. Insbesondere beim Eintritt in einen ausländischen Markt sind eher national aufgestellte Banken mehr denn je auf die Informationen der Auskunfteien angewiesen. Die DIW-Studie untersucht, ob die Existenz von Auskunfteien den europäischen Bankenwettbewerb beeinflusst, und kommt zu dem Ergebnis, dass sie ausländischen Banken den Markteintritt erleichtern. Ein Fehlen von Auskunfteien kann dagegen erhebliche Wettbewerbsnachteile verursachen. Ein Markteinstieg ist dann quasi nur über den Kauf einer ansässigen Bank möglich, da das eintretende Unternehmen anders kaum an Daten über Schuldner kommt. Die DIW-Studie zeigt aber auch, dass die Bereitstellung von Daten innerhalb der EU insgesamt nicht harmonisiert ist.

Suggested Citation

  • Nicola Jentzsch & Caterina Giannetti & Giancarlo Spagnolo, 2010. "Zugang zu Kreditinformationen fördert Markteintritte europäischer Banken," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 77(22), pages 20-25.
    • Handle: RePEc:diw:diwwob:77-22-4
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    More about this item

    Keywords

    Credit registers; Foreign entry asymmetric information;

    JEL classification:

    • F37 - International Economics - - International Finance - - - International Finance Forecasting and Simulation: Models and Applications
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance
    • L13 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Oligopoly and Other Imperfect Markets
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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