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| Ergebnis ID 32682 | |||
| Zusammenfassung | Micro-lending - a case for regulation in Europe / ed.: Udo Reifner | ||
| Datenbank | Fachliteratur | ||
| Sachgruppen | KX/Alternat.Finanzierungsformen: microfinance; Bildungsfinanzierung, Kreditrisikohandel; reverse mortgage; Wertpapierkredite; UG/KMU: Existenzgründung, Unternehmensförderung; KU/Unternehmensfinanzierung (inkl. Leasing und Factoring); zyiffBuch/iff Buchpublikationen | ||
| Schlagwörter | Kleinstkredite; micro-lending; Existenzgründungen; KMU; Klein- und Mittelunternehmen; Existenzgründungskredite; Regulierung; Verschuldung; Überschuldung; social banking; social investment; iff-Publikation | ||
| Länder/Regionen | 04EUDE/Deutschland | ||
| Autor/en | Udo Reifner | ||
| Stücktitel | Micro-lending - a case for regulation in Europe / ed.: Udo Reifner | ||
| Quelle | Micro-lending - a case for regulation in Europe / ed.: Udo Reifner | ||
| Verlag | Nomos Verl.-Ges. | ||
| Erscheinungsort | Baden-Baden | ||
| ISBN | 378908090-X | ||
| Anmerkung | Schriften des Instituts für Finanzdienstleistungen e.V. ; Bd. 5 | ||
| Umfang | 394 S. | ||
| Erschienen | 2002-01-01 00:00:01 | ||
| Text | CONTENT I. OVERVIEW OF THE OBJECTS OF MICRO-LENDING PROJECTS 1. Objective of Micro-Lending 2. Costs of and Finance for Micro-Lending 3. The Impact of giving Advice Services with Credit Provision II. MICROLENDING IN GERMANY – THE RESULTS OF AN IFF-SURVEY ON Microlending in Germany 1. Credit programmes without the engaging of banks (type 1) 1.1. Starthilfefonds, Bremen 1.2. Goldrausch, Berlin 2. Programmes with banks as sponsoring organisations (type 2) 2.1. DtA-Startgeld 2.2. Start-up loan according to "arbeitsmarktpolitisches Rahmenprogramm Berlin"(ARP-Loan) 2.3. Existenzgründerinnenprogramm des Landes Schleswig-Holstein 2.4. Sicherungsfonds München 3. Programmes in co-operation with banks (type 3) 3.1. GöBI-Fonds, Göttingen 3.2. SIEH AN KREDIT, Aachen 4. SUMMARY III. (Legal) Form of Micro-Lending 1. Significant Issues on Project Formation 2. Types of Organisation and their Legal Structure 2.1. Direct Provision of Credit by the Micro-Lending Institution 2.2. Involvement of a Bank or its Use as an Intermediary 2.2.1. Bank brought in as Credit Provider 2.2.1.1. Credit Flow Model 2.2.1.2. Trust Model 2.2.1.3. Hybrids 2.2.1.4. Out-Sourcing Model 2.2.1.5. Provision of Loan Securities 2.2.2. Micro-Lending Organisation as Credit Provider 3. Legal Structure of Micro-Lending Institutions 4. Special features of the Formation of Credit or Liability Groupings (Peer Groups) IV. CONSUMER CREDIT LAW ASPECTS OF MICRO-LENDING 1. Legal Consequences of Qualification of an Operation as a Credit Institution under Bank Regulatory Provisions 2. Micro-Lending and Bank Supervision – Overview of the Issues 2.1. Where Banks have an Exclusive Interest 2.2. Where Non-Banks have an Interest 3. Micro-Lending Organisations as Credit Institutions subject to Supervision 3.1. Micro-Lending Institutions as Operations 3.1.1. Is an intention to make a profit a pre-requisite of the concept of operation? 3.1.2. Public Institutions as Operations 3.2. Activities of Micro-Lending Institutions as Banking Transactions 3.2.1. Deposit-taking business, para. 1 I 2 no. 1 KWG 3.2.1.1. The Receipt of the Funds of Others as an Investment 3.2.1.2. The Receipt of "other repayable funds of the public" 3.2.1.3. Absolute requirement of claim to repayment 3.2.1.4. Funds of the Public 3.2.1.5. Extent of requirement of a commercial structure 3.2.1.6. Consequences for Micro-Lending Organisations 3.2.2. Credit Business, para. 1 I 2 No. 2 KWG 3.2.2.1. Teleological Reduction through Inversion of the "functional concept of deposit" ? 3.2.2.2. Interest-free Loans also amount to Credit Transactions 3.2.2.3. No requirement of Profit Motive 3.2.2.4. Scale of Business requiring Constitution of the Operation on a Commercial Basis 3.2.2.5. Consequences for Micro-Lending Organisations 3.2.3. Guarantee Business S.1 I 2 no. 8 KWG 3.2.4. Summary ( Banking Transactions) 3.3. Relevant Scope of Activity 3.4. Exemption through Release under S. 2 IV KWG 2 IV KWG 4. Permissible Out-Sourcing in Structures envisaging Out-Sourcing Conclusion of Contracts and Administrative Functions to Micro-Lending Institutions? 4.1. Are there Core Banking Activities which cannot be Out-sourced? 4.2. Draft BAKred Circular on S. 25a II KWG 4.3. Is the External Operation a Credit Institution? 5. Do Mutual Guarantees in Peer Groups amount to Guarantee Business requiring Supervision? V. EUROPEAN LEGAL ASPECTS OF CROSS-BORDER MICRO-LENDING 1. Basic Principle (S.53 KWG): Licensing and Supervision Requirements of Branches of Foreign Organisations 1.1. Branches of Foreign Organisations as "Fictional Credit Institutions" 1.2. Freedom of Foreign Business Transactions from Licensing and Supervision 1.3. Treatment of Cross-Border Transactions 1.4. The Problem of Internet Sales 2. Exemptions for Euro-Credit Institutions with a "European Passport" under S. 53 b KWG 3. The Regulatory Status of Non-Credit Institutions from other European Countries 3.1. Compatibility of German Bank Regulation and Supervision with the Co- Ordination of Banking Law Directive 3.2. Compatibility with the Fundamental Freedoms 3.2.1. Prohibition against Discrimination 3.2.2. Prohibition against Restrictions 3.2.3. Justification on the Grounds of "the Overriding General Interest" 3.3. Reconciliation with European Competition Law VI. Summary Bibliography |
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| Sprache | en/englisch | ||
| Datenerfassung | IFF : Institut Für Finanzdienstleistungen | ||
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