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Regionale Banken in einer globalisierten Welt


  • Isabel Schnabel

    (Johannes Gutenberg-Universität Mainz, FB Rechts- und Wirtschaftswissenschaften, Jakob-Welder-Weg 4, D-55099 Mainz)

  • Hendrik Hakenes

    (Max-Planck-Institut zur Erforschung von Gemeinschaftsgütern, Kurt-Schumacher-Straße 10, D-53113 Bonn)


In diesem Aufsatz gehen wir der Frage nach, welche Rolle regionale Banken in einer globalisierten Welt spielen können. Wir argumentieren, dass regionale Banken aufgrund einer stärkeren Kundenbindung und flacher Hierarchien Wettbewerbsvorteile realisieren können. Kostennachteile aufgrund der geringen Größe lassen sich möglicherweise durch das Outsourcing von Aktivitäten, z. B. innerhalb eines Bankenverbunds, ausgleichen. Am Beispiel Deutschlands wird gezeigt, dass Regionalbanken auch in Zeiten globalen Wettbewerbs profitabel sein können. Eine Verdrängung regionaler Banken ist daher nicht zu erwarten.

Suggested Citation

  • Isabel Schnabel & Hendrik Hakenes, 2007. "Regionale Banken in einer globalisierten Welt," Credit and Capital Markets, Credit and Capital Markets, vol. 40(3), pages 351-380.
  • Handle: RePEc:kuk:journl:v:40:y:2007:i:3:p:351-380

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    References listed on IDEAS

    1. Holger Zemanek & Ansgar Belke & Gunther Schnabl, 2010. "Current account balances and structural adjustment in the euro area," International Economics and Economic Policy, Springer, pages 83-127.
    2. Barry Eichengreen & Ashoka Mody, 2004. "Do Collective Action Clauses Raise Borrowing Costs?," Economic Journal, Royal Economic Society, vol. 114(495), pages 247-264, April.
    3. Jürgen von Hagen & Jean Pisani-Ferry & André Sapir & Francois Gianviti & Anne O. Krueger, . "A European mechanism for sovereign debt crisis resolution: a proposal," Blueprints, Bruegel, number 446, November.
    4. repec:zbw:rwirep:0176 is not listed on IDEAS
    5. Holger Zemanek & Ansgar Belke & Gunther Schnabl, 2010. "Current account balances and structural adjustment in the euro area," International Economics and Economic Policy, Springer, pages 83-127.
    6. Raffer, Kunibert, 1990. "Applying chapter 9 insolvency to international debts: An economically efficient solution with a human face," World Development, Elsevier, vol. 18(2), pages 301-311, February.
    7. Michael Bradley & James D. Cox & Mitu Gulati, 2010. "The Market Reaction to Legal Shocks and Their Antidotes: Lessons from the Sovereign Debt Market," The Journal of Legal Studies, University of Chicago Press, pages 289-324.
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    Cited by:

    1. Simone Raab & Peter Welzel, 2010. "The Economics of Regional Demarcation in Banking," Discussion Paper Series 308, Universitaet Augsburg, Institute for Economics.

    More about this item

    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


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