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Bankenregulierung und Bürokratiekosten: Ein Problemaufriss

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  • Schenkel, Andreas

Abstract

Die in Folge der Wirtschafts- und Finanzkrise kontinuierlich steigenden regulatorischen Anforderungen an die Kreditwirtschaft resultieren in einer erhöhten Kostenbelastung durch die Implementierung und laufende Erfüllung zusätzlicher Bestimmungen. Da bürokratischen Anforderungen weitestgehend unabhängig von der Bankgröße umgesetzt werden müssen, ergibt sich ein regressiver Kostenverlauf, der dazu führt, dass kleinere und mittlere Banken überproportional stark belastet werden. Dies gilt insbesondere für die regional verankerten Genossenschaftsbanken. Im vorliegenden Arbeitspapier erfolgt eine Aufarbeitung der verschiedenen Arten von Regulierungskosten, mit Schwerpunktlegung auf Bürokratiekosten. Ebenso werden die Notwendigkeit und die Zielsetzung der ökonomischen Bürokratiekostenmessung sowie die vorliegenden Messmethoden erläutert. Anschließend wird mit Hilfe eines Literaturüberblicks aufgezeigt, welche Quantifizierungsmethoden in der wissenschaftlichen Anwendung relevant sind und welche weiteren inhaltlichen Problemstellungen sich aus Bürokratiekosten und ihrer Quantifizierung ergeben.

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  • Schenkel, Andreas, 2015. "Bankenregulierung und Bürokratiekosten: Ein Problemaufriss," Arbeitspapiere 152, University of Münster, Institute for Cooperatives.
    • Handle: RePEc:zbw:wwuifg:152
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    1. Schenkel, Andreas, 2016. "Compliance-Regulierung aus ökonomischer Perspektive," Arbeitspapiere 168, University of Münster, Institute for Cooperatives.
    2. Schenkel, Andreas, 2016. "Kosten der Compliance-Regulierung: Eine empirische Untersuchung am Beispiel der deutschen Genossenschaftsbanken," Arbeitspapiere 169, University of Münster, Institute for Cooperatives.
    3. Hans Pitlik & Thomas Url, 2020. "Schätzung der Kosten staatlicher Regularien in der österreichischen Versicherungsbranche," WIFO Studies, WIFO, number 65933, April.

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