Die PRAXIS Der Kreditgewährung: Mit Erläuterungsbeispielen Und Einer Kreditinventur
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Die Kreditpolitik ist einem dauernden Wechsel unterworfen. Strömt viel Geld zu den Kreditinstituten. dann können diese grossztigiger sein als zu einem Zeitpunkt. in dem die Geld- und Kapitaldecke sehr knapp ist. Nach- dem gerade d Kreditgeschäft der tragende Pfeiler in der Gewinn -und Verlustrechnung aller Kreditinstitute ist und bleibt, bedarf die Bearbeit- ung dieres GeschäftszweigetO. der naturgemä s ein grosses Risiko in sich birgt. " einer besonderen Sorgfalt und eines umfangreichen Wissens, Im Vordergnmd aller Betrachtungen mtissen zwei Überlegungen stehen: 1. Dem Kreditinstitut wird von den Einlegern Bargeld anvertraut. Ihre Guthaben können jeden Tag abgezogen werden, soweit sie nicht auf besonderen Wunsch fi. lt einen längeren Zeitraum angelegt wurden. Die- se elementare Tatsache zwingt jeden Kreditsachbearbeiter darauf zu sehen, dass alle Ausleihungen von solcher Liquidität sind. dass im Be- darfsfalle den Einlegern ohne Schwierigkeiten ihre Guthaben zurückbe- zahlt werden können. 2. Werden infolge einer ungünstigen Wirtschaftsentwicklung die Voraus set zungen zu Punkt eins nicht erfüll ) sind dann die gegebenen Sicher- heiten von einer solchen Bonität. dass sie jeden VeIlust ausschliessen ? Das Streben nach einer gesunden Liquidität ist bei jedem solid geleiteten Institut oberste Richtlinie. Kurzfristige Kundeneinlagen können auf keinen Fall mittel-oder langfristig ausgeliehen werden. Die Prüfung der Güte der Kreditsicherheiten muss unter dem Gesichtspunkt erfolgen, dass auch bei einer schlechten Wirtschaftslage der Erlös aus den Sicherheiten die Forderung des Kreditinstitutes deckt. Selbstverständlich verfUgt jedes Kreditinstitut neben den Einlagen auch über ein Eigenkapital, das zur Speisung mittel- oder langfristiger Iüed1te oder fI1r Beteil1gunglZwecke verwendet werden kann.
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