Kapitalsteuerung in Filialbanken
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Die Bankbetriebslehre weist gegentiber der Allgemeinen Betriebs- wirtschaftslehre ein Theoriedefizit auf. Dieses Schlagwort darf nicht im Sinne einer Empfehlung mi verstanden werden, sich in diesem Bereich der Betriebswirtschaftslehre von den praktischen Proble- men abzuwenden ulld zu einer zwar theoretisch eventuell befriedi- genden, praktisch aber kaum verwendbaren Modellbetrachtung tiber- zugehen. Vielmehr ist zu fordern, die in den verschiedenen Berei- chen der Betriebswirtschaftslehre entwickelten theoretischen Er- kenntnisse auf den Bankbetrieb anzuwenden, urn so den Wissens- stand zu erhohen und praktikable Losungsansatze konkreter Probleme zu entwickeln. Die vorliegende Arbeit, eine Untersuchung, die als Bochumer Dis- sertation den Titel "Die Lenkung von Kapitalstromen in dezentrali- sierten Kreditinstituten" trug, greift diese Aufgabenstellung auf und leistet einen -' wie mir scheint - beachtlichen Beitrag zu ihrer Er- fiillung. Ausgehend von der realitatsnahen Vorstellung eines dezen- tralisierten Kreditinstituts, das als multipersonales Sozialgebilde verstanden wird, steht die Frage einer optimalen Verteilung der finanziellen Ressourcen innerhalb der Unternehmung im Mittelpunkt der Betrachtung. Damit wird ein, wenn nicht das zentrale Problem aus der Finanzsphare vieler Kreditinstitute m.ti den Erkenntnissen der neueren Organisations-und Entscheidungstheolle konfrontiert.
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