Herausforderungen für die deutsche Versicherungswirtschaft by Mike Donner

By Mike Donner

Bachelorarbeit aus dem Jahr 2013 im Fachbereich BWL - financial institution, Börse, Versicherung, be aware: 1,3, FOM Hochschule für Oekonomie & administration gemeinnützige GmbH, München früher Fachhochschule, Sprache: Deutsch, summary: „In Wahrheit ist mit der Lebensversicherung ein Geschäftsmodell gescheitert.“

Auch wenn guy diese scharfe Einschätzung nicht teilt, so sollten die Herausforderungen für die Lebensversicherungsbranche doch im Kontext des aktuellen Zeitgeschehens näher beleuchtet werden. Denn offenkundig stehen die Lebensversicherer heute vor der komplexen Aufgabe, mit einer konservativen Kapitalanlage langfristige Zinsgarantien von bis zu four % auf die Sparbeiträge ihrer Kunden in einem durch niedrige Zinsen geprägten Umfeld zu erwirtschaften. Vor diesem Hintergrund zweifeln Artikel in der Tagespresse immer wieder die Zukunftsfähigkeit der privaten Vorsorgeprodukte an und nähren so Ängste bei den Versicherten, ob die Versicherungswirtschaft zweifelsfrei in der Lage ist, die abgegebenen Leistungsversprechen uneingeschränkt zu erfüllen. In der Tat wandte sich Nikolaus von Bomhard als Vorstand der Munich Re Rückversicherung und als Präsident der Geneva organization bereits 2011 kritisch in einem offenen short an die Finanzminister und Gouverneure der Zentralbanken der 20 wichtigsten Industrie- und Schwellenländer. Die extrem lockere Geldpolitik der Zentralbanken hätte zur Folge, dass mit den abnehmenden Erträgen aus den Kapitalanlagen eine tragende Säule der Versicherer zunehmend erodieren würde.

Aus diesen Rahmenbedingen erwächst die Frage, wie die Versicherungsunternehmen konkret durch das Niedrigzinsumfeld beeinträchtigt werden und welche Maßnahmen sie treffen können, um auch in Zukunft erfolgreich am Markt zu bestehen.

Diese Ausarbeitung analysiert die Herausforderungen, mit denen sich die deutsche Versicherungswirtschaft in Hinblick auf das Niedrigzinsniveau beim Produkt Lebensversicherung konfrontiert sieht. Es soll geklärt werden, welche Auswirkungen das gegenwärtige Kapitalmarktumfeld auf die garantierten Leistungen sowie die Beteiligung an den Überschüssen als zentrale Produktmerkmale hat. Weiterhin wird die Arbeit bereits eingeleitete Maßnahmen zur Bewältigung der Herausforderungen aufzeigen und darüber hinaus zukünftige Ansatzpunkte für Modifikationen herausstellen.

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Ethics in Banking: The Role of Moral Values and Judgements by Jes Villa

By Jes Villa

the answer to the uninhibited lending that was once normal prior to the monetary main issue has been to introduce tighter rules to make sure robustness inside of banks. even if, this answer has ignored the underlying challenge of moral failure within the undefined. within the wake of diverse financial institution collapses, many survivors proceed in unprincipled behavior simply because moral virtues haven't been instilled.

This booklet investigates the moral foundation of banking perform. It explores the clash among the pursuits of banks and their shoppers, and the way this clash performs out with regards to the lending rules and expense constructions of banks. the place such lending guidelines have an important impact on banks, their clients and a number of stakeholders, the writer investigates the perspectives of best bankers on their lending practices. the writer then is going directly to debate the occasions of the worldwide monetary situation from an ethical point of view, and argues that moral failure caused the yankee sub-prime calamities that have devastated owners and the worldwide financial system. The e-book argues that American banks and regulators either operated at the faulty supposition that the hunt after severe earnings will be constrained by means of unfastened industry forces.

Where banks have a significant position and significance in all trade and accordingly in all societies, the writer concludes via revealing a suite of virtues which are worthy for banks to espouse ethical behavior. He means that those virtues may be embedded via management and cultural swap, with the purpose of constructing an account of the virtues acceptable to bankers and banking.

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Retail Banking in Greece - New perspectives through customer by Niko Mikopoulos

By Niko Mikopoulos

Bachelor Thesis from the yr 2008 within the topic enterprise economics - Banking, inventory Exchanges, coverage, Accounting, grade: 2.0, collage of technologies Zurich, 35 entries within the bibliography, language: English, summary: each year thousands of holiday makers from around the world opt for Greece and the
Greek Islands for his or her summer season vacation spot and go back and forth to Greece to get pleasure from the
friendly weather, the blue and transparent seas and the glorious hospitality and usual setting. Beside of this identified face of Greece the final year’s Greek economic system is likely one of the boosting economies within the eu group. particularly after the profitable association of the Olympic video games in 2004, the family economy
improves and the call for from the non-public region and families for banking
products companies expands dramatically. The Greek Retail Banks reap the benefits of this
macro monetary improvement and generate outstanding sales and market
shares within the family industry with the present patron base and new
acquisitions. however, slowly indicators of a saturated industry and competition
within the conventional Greek banks forcing the banks to optimize their bankcustomer relationships with their present purchaser base and to appear for new
channels to progress and to achieve a aggressive virtue opposed to new Bank
entrepreneurs within the market.
This thesis describes on a systematic and methodical procedure the matter of the
slowly industry saturation within the retail banking area and develops a problem
solution in response to the query of the way new views and possibilities will arise
through implementation of customer-orientation to help long term and
profitable bank-customer relationships. furthermore, the SWOT-Analysis of the
three key avid gamers within the Greek retail banking industry identifies their inner and exterior features in their present client orientated recommendations. eventually, the thesis closes with a suggestion and end on how the CRM framework offers new views with recommendations, equipment and instruments contributes for a winning implementation of customer-orientation.

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Payments Systems in the U.S. - Third Edition: A Guide for by Carol Coye Benson,Scott Loftesness,Russ Jones

By Carol Coye Benson,Scott Loftesness,Russ Jones

“Payments structures within the united states” is a finished description of the funds platforms (cards, tests, ACH, wires, and money) that flow cash among and between shoppers and companies within the U.S. In transparent and vigorous writing, the authors clarify how the funds structures paintings, how they advanced, who makes use of them, who presents them, who gains from them, and the way they're altering. somebody within the funds – or desiring to exploit funds items – can reap the benefits of figuring out this. The 3rd variation updates information regarding each one approach, provides a bankruptcy on funds innovation, and incorporates a word list of terminology.

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Trading mit Intermarket-Analyse: Murphy´s Visual Approach - by John J. Murphy

By John J. Murphy

Intermarket-Analyse bezeichnet die examine von zwei oder mehr sich gegenseitig beeinflussenden Assetklassen oder Märkten mit dem Ziel, die Stärken und Schwächen aufzudecken. Statt sich nur einzelne Assetklassen oder Märkte anzusehen, berücksichtigt die Intermarket-Analyse die Wechselwirkungen beispielsweise zwischen Aktien, Anleihen, Rohstoffen oder Währungen.

John Murphy hat maßgeblich dazu beigetragen, dass die Intermarket-Analyse ein unverzichtbarer Teil der Technischen examine wurde. In seinem neuen Buch zeigt Murphy, wie dealer auch unter schwierigen Umständen erfolgreich sein können. Intensiv geht er auf die Auswirkungen von Konjunkturzyklen oder den Einfluss bestimmter Branchen auf die Märkte ein.

Der dealer bestimmt auf foundation der Intermarket-Analyse, wie er optimum in Aufschwung- und Boomphasen, aber auch bei einer sich abschwächenden Konjunktur investiert. Als wichtiges tool stellt Murphy zudem Exchange-Traded cash (ETFs) und ihre Bedeutung für die Intermarket-Analyse vor und zeigt, wie dealer von den neuesten Entwicklungen profitieren. Mit mehr als one hundred fifty vierfarbigen Beispielcharts und praktischen Anleitungen zu sämtlichen Chartmustern gibt Murphy eine einzigartige Einführung in die Intermarket-Analyse.

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How the Fed Moves Markets: Central Bank Analysis for the by Evan A. Schnidman,William D. MacMillan

By Evan A. Schnidman,William D. MacMillan

Central banks have a profound impression on monetary markets, and traders fight to maintain proficient approximately their advanced coverage judgements. Technological and monetary advancements have remodeled the U.S. Federal Reserve financial institution from a monetary black field right into a vocal, more and more obvious institution—and the result's this kind of wealth of textual facts that clues to destiny coverage judgements will be misplaced one of the details.

This e-book provides an answer to this challenge through maintaining a tally of these info. Schnidman and MacMillan display how the most recent advances in computerized textual content research, mixed with the precision of area services, are the keys to realizing how valuable banks stream markets with their phrases. The authors define a mode not to basically learn each piece of each relevant financial institution conversation, yet to do it in a fashion that's thoroughly entire and impartial whereas fast yielding demanding, quantitative info that may be placed to paintings in sleek monetary models.

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Central Banks at a Crossroads: What Can We Learn from by Michael D. Bordo,Øyvind Eitrheim,Marc Flandreau,Jan F.

By Michael D. Bordo,Øyvind Eitrheim,Marc Flandreau,Jan F. Qvigstad

all through their lengthy historical past, the first problem of important banks has oscillated among fee balance in basic instances and monetary balance in awesome instances. within the wake of the hot worldwide monetary concern, significant banks were given extra obligations to make sure monetary balance, which has sparked severe debate over the character in their position. Bankers and coverage makers face an immense problem discovering the proper stability of energy among the imperative financial institution and the nation. This quantity is the results of a world convention held at Norges financial institution (the critical financial institution of Norway). foreign specialists and coverage makers current examine and ancient research at the evolution of the principal financial institution. They in particular specialize in 4 key features: its position as an establishment, the half it performs in the foreign financial process, tips to delineate and restrict its capabilities, and the way to use the teachings of the previous centuries.

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The Unbanking of America: How the New Middle Class Survives by Lisa Servon

By Lisa Servon

An pressing, soaking up exposé—why americans are fleeing our damaged banking method in transforming into numbers, and the way possible choices are dashing in to do what banks as soon as did

What do an undocumented immigrant within the South Bronx, a high-net-worth entrepreneur, and a twenty-something graduate scholar have in common? All 3 are sufferers of our dysfunctional mainstream financial institution and credits system. Today approximately half all americans reside from paycheck to paycheck, and source of revenue volatility has doubled during the last thirty years. Banks, with their excessive per 30 days charges and overdraft fees, are gouging their low- and middle-income consumers, whereas serving purely the wealthiest Americans. 

Lisa Servon can provide a beautiful indictment of America’s banks, including eye-opening dispatches from inside of a number of banking possible choices that experience sprung as much as fill the void. She works as a teller at RiteCheck, a check-cashing enterprise within the South Bronx, and as a payday lender in Oakland. She appears to be like heavily on the workings of a tanda, an off-the-cuff lending club.  and he or she grants interesting, hopeful photos of the marketers reacting to the unbanking of the USA by designing platforms to creatively serve lots of us.  Banks have been as soon as crucial pillars of our lives; now we will not expect them to do correct by way of us.

"Required interpreting for enthusiasts of muckraking authors like Barbara Ehrenreich, this attention-grabbing examine the way forward for funds administration insists that the 'unbanked' are a area deserving of admire and strong options."Publishers Weekly, starred review

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North American Firms in East Asia: HSBC Bank Canada Papers by Paul Beamish,A.E. Safarian

By Paul Beamish,A.E. Safarian

This quantity examines how international companies, that are getting into or working in quite a few Asian international locations, have replied to the hindrances and possibilities that have been pointed out within the previous volumes of this sequence. there's an outline bankruptcy and 7 case experiences of Canadian and American-based businesses.

The stories conceal quite a few sectors corresponding to telecommunication, finance, and engineering companies. The authors spotlight a number of concerns that experience to be resolved while working particularly nations. the result of the bargaining technique on access into one other state, for instance, or the technique taken in team of workers family members, should be serious to good fortune or failure.

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Handbook of Financial Intermediation and Banking (Handbooks by Anjan V. Thakor,Arnoud Boot

By Anjan V. Thakor,Arnoud Boot

the expansion of monetary intermediation examine has yielded a number of questions that experience driven "design" concerns to the fore at the same time the boundary among monetary intermediation and company finance has blurred. This quantity offers overview articles on six significant subject matters which are hooked up through information-theoretic instruments and characterised via precious views and significant questions for destiny study. Touching upon a variety of matters touching on the designs of securities, associations, buying and selling mechanisms and markets, constitution, and legislation, this quantity will inspire daring new efforts to form monetary intermediaries within the future.

* unique overview articles supply worthwhile views on study concerns showing in most sensible journals
* Twenty articles are grouped via six significant themes, jointly defining the top examine fringe of monetary intermediation
* company finance researchers will locate affinities within the instruments, tools, and conclusions featured in those articles

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