Die neuen Eigenkapitalvorschriften nach Basel III – Was deutsche Kreditgenossenschaften erwartet

Domikowsky, Christian; Hesse, Frederik; Pfingsten, Andreas

doi:10.1515/zfgg-2012-0203

Cited by 3 publications

(3 citation statements)

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“…Their experience with implementing the Third Basel Accord, which was a reaction to the 2008 financial crisis, contributes to their expertise (Jovanović 2019). The Third Basel Accord affects banks in multiple ways, for example, how banks manage the risks of their assets, the equity ratio they need to obtain for granting credits, and transparency requirements (Domikowsky et al 2012).…”

Section: Characteristics Of Regional Banks That Intersect With Crowdf...mentioning

confidence: 99%

The “C” in crowdfunding is for co-financing: exploring participative co-financing, a complement of novel and traditional bank financing

2022

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We explore the potentials of participative co-financing as a means for regional banks to integrate an innovative financing technique that enhances their strengths. Our goal is to interest platform operators, decision-makers of regional banks, and researchers in the potentials of participative co-financing. We define participative co-financing as capital provision, where professional financing sources provide one part, and the other is supplied via participative crowdfunding. We claim that crowdfunding and regional banks are compatible by common interests. We explore potentials emanating at the intersection of both fields by drawing on entrepreneurship and finance literature. Eventually, we bridge the gap between both fields of research. To guide our research, we develop a framework featuring the intersection of crowdfunding and regional banks. We ask: Which potentials affect the intentions of decision-makers in regional banks to offer participative co-financing? The technology acceptance model (TAM) provides a theoretical foundation for our analysis. We conduct a twofold analysis by looking at the direct effects of potentials first and acceptance according to the TAM second. Thereby we consider the intention to offer lending- and equity-based co-financing. We surveyed decision-makers from an association of German savings banks and derived 108 answers. We show that regional banks generally accept participative co-financing as an innovative financing technique. The most likely model is lending-based co-financing, with individual persons, startups, and SMEs as target groups. Decision-makers hope to profit from cross-selling and being perceived as innovative. Nevertheless, further research and trials are necessary to advance participative co-financing.

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Section: Characteristics Of Regional Banks That Intersect With Crowdf...mentioning

confidence: 99%

The “C” in crowdfunding is for co-financing: exploring participative co-financing, a complement of novel and traditional bank financing

2022

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“…Pleister (2007) focuses on earlier regulatory frameworks and also finds an overall negative effect on the business model. More specifically, Domikowsky et al (2012) analyze the effect of regulatory capital requirements, which are part of the Basel III-framework, on German cooperative financial institutions. They postulate that cooperative banks are able to overcome challenges; however, the consequences of all of the regulations are not addressed.…”

Section: Current State Of Researchmentioning

confidence: 99%

“…Pleister (2007), for instance, finds that the business model of cooperative banks has been affected by regulation but the detailed impact remains under-researched. Similarly, Domikowsky et al (2012) analyze the effect of regulation on German cooperative banks. Yet, these researchers do not consider the impact on various elements of the business model.…”

Section: Introductionmentioning

confidence: 99%

Cooperative banks in need of transition: The influence of Basel III on the business model of German cooperative credit institutions

Jovanović

Arnold

Voigt

2017

Journal of Co-operative Organization and Management

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Kumulative Auswirkungen der Bankenregulierung auf die Geschäftsmodelle von Genossenschaftsbanken

Lange

Paul

2017

Zeitschrift Für Das Gesamte Genossenschaftswesen

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ZusammenfassungWir untersuchen die Auswirkungen regulatorischer Anforderungen auf die Geschäftsmodelle von kleinen und mittelständischen deutschen Genossenschaftsbanken. Die Analyse zeigt, dass sich die Geschäftsmodelle von Volks- und Raiffeisenbanken infolge der Regulatorik verändern. Die Bedeutung der Ertragsquellen verschiebt sich und eine Neupriorisierung der Kunden ist notwendig. Ferner ist das Produkt- und Dienstleistungsangebot anzupassen, preispolitische Maßnahmen sind zu vollziehen und das Asset-Liability-Management zu adjustieren.

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Die neuen Eigenkapitalvorschriften nach Basel III – Was deutsche Kreditgenossenschaften erwartet

Cited by 3 publications

References 0 publications

The “C” in crowdfunding is for co-financing: exploring participative co-financing, a complement of novel and traditional bank financing

The “C” in crowdfunding is for co-financing: exploring participative co-financing, a complement of novel and traditional bank financing

Cooperative banks in need of transition: The influence of Basel III on the business model of German cooperative credit institutions

Kumulative Auswirkungen der Bankenregulierung auf die Geschäftsmodelle von Genossenschaftsbanken

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