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Studienfinanzierung in Deutschland: Potenziale und Risiken für Finanzdienstleister

Author

Listed:
  • Kathrin Braunwarth
  • Hans Ulrich Buhl

    (Kernkompetenzzentrum IT & Finanzdienstleistungen)

  • Tobias Gaugler
  • Nina Kreyer

Abstract

Zusammenfassung Vor dem Hintergrund aktueller Veränderungen des studentischen Marktes untersucht der vorliegende Beitrag Potenziale und Risiken, die sich für Finanzdienstleister bei der Gestaltung von Studienfinanzierungsprodukten ergeben. Hierbei zeigt eine Marktanalyse, die sowohl das Marktpotenzial und den Finanzbedarf der Studierenden betrachtet als auch die mit dem Markteintritt verbundenen Risiken untersucht, dass eine undifferenzierte Ansprache aller Studierenden hohe Risiken birgt und somit zu unattraktiven (und am Markt nicht wettbewerbsfähigen) Konditionen für Studienfinanzierungsprodukte führen würde. Vielmehr sollten innovative Produkte entwickelt werden, die alternative Wege zur Ansprache und Bindung der potenzialstarken studentischen Zielgruppe erlauben.

Suggested Citation

  • Kathrin Braunwarth & Hans Ulrich Buhl & Tobias Gaugler & Nina Kreyer, 2007. "Studienfinanzierung in Deutschland: Potenziale und Risiken für Finanzdienstleister," Schmalenbach Journal of Business Research, Springer, vol. 59(6), pages 775-808, September.
    • Handle: RePEc:spr:sjobre:v:59:y:2007:i:6:d:10.1007_bf03371722
    DOI: 10.1007/BF03371722
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    More about this item

    Keywords

    G21; I22; J24;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • I22 - Health, Education, and Welfare - - Education - - - Educational Finance; Financial Aid
    • J24 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Human Capital; Skills; Occupational Choice; Labor Productivity

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