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Retail Banking: Status quo und Entwicklungsperspektiven

Listed author(s):
  • Oehler, Andreas
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    Das Banking der Zukunft und hier insbesondere das Retail Banking im Span-nungsfeld von Kundenwünschen und Rentabilitätsanforderungen betrifft im Kern ein professionalisiertes und rationalisiertes Kerngeschäft der Banken und Sparkassen sowie weiterer Finanzdienstleister in der erfolgreichen Erfüllung der vier volkswirt-schaftlichen Basisleistungen des finanziellen Sektors (Finanzintermediation): der In-formationsbedarfs-, der Betrags-, der Fristen- und der Risikotransformation. Das Retail Banking bezieht sich auf Kunden, die als natürliche Personen in hoher Zahl ähnliche Bedarfe artikulieren und daraus eine entsprechende Finanzdienstleistungsnachfrage über eine größere Variationsbreite an Zugangswegen entwickeln. Das Produkt- bzw. Dienstleistungsangebot weist demgemäß einen hohen Standardisierungsgrad auf, ohne dass dies für die Kunden direkt erkennbar sein muss. Demgegenüber bezieht sich das meist als Private Banking (i.e.S.) gekennzeichnete Geschäftsfeld grundsätzlich auf individualistische, exklusive Nachfrage-Angebots-Relationen, die den Wholesale-Charakter des Firmenkundengeschäftes oder des institutionellen Bankgeschäfts aufweisen.

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    Paper provided by University of Bamberg, Chair of Finance in its series Discussion Papers with number 27.

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    Date of creation: 2004
    Handle: RePEc:zbw:bamfin:27
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    1. Axel Boersch-Supan & Florian Heiss & Alexander Ludwig & Joachim Winter, 2003. "Pension Reform, Capital Markets and the Rate of Return," German Economic Review, Verein für Socialpolitik, vol. 4(2), pages 151-181, May.
    2. Axel Börsch-Supan & Alexander Ludwig & Joachim Winter, 2006. "Ageing, Pension Reform and Capital Flows: A Multi-Country Simulation Model," Economica, London School of Economics and Political Science, vol. 73(292), pages 625-658, November.
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