Wirtschaftspolitische Rekationen auf die Finanzmarktkrise im Jahr 2008: Folgen der Krise 2008
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Studienarbeit aus dem Jahr 2014 im Fachbereich VWL - Finanzwissenschaft, Note: 2.2, Europäische Fernhochschule Hamburg (Marketing MBA), Veranstaltung: Volkwirtschaftslehre VWL, Sprache: Deutsch, Abstract: Die folgende Hausarbeit untersucht und dokumentiert die Entstehung der globalen Finanzmarktkrise im Jahr 2008. Dabei konzentriert sich die Analyse hauptsächlich auf die Geschehnisse der Bundesrepublik Deutschland sowie Griechenland. Es werden Ma nahmen Deutschlands gegen die Eurokrise aufgezeigt und dessen Wirkungsweise beurteilt. Zusätzlich werden die aktuellsten Entwicklungen der wichtigsten Indikatoren von Griechenland und Deutschland zur Bekämpfung der Krise verglichen und begutachtet. Diese Analyse beurteilt au erdem die generellen Handlungsweisen in der Finanz- beziehungsweise Eurokrise und gibt an, welche alternativen Mittel zur Krisenbewältigung hätten verwendet werden können Die Folgen, die aus der Niedrigzinspolitik resultierten, waren fatal: Dadurch, dass die Häuserpreise stetig stiegen und der Immobilienmarkt als sicher eingestuft wurde, wuchs die Gier und Verlockung der amerikanischen Bankinstitute, Hypotheken auch an Personen mit niedriger Kreditwürdigkeit zu verleihen. Denn Ziel einer Bank - sowie jedes Unternehmens - ist es, seinen Gewinn zu steigern sowie eine hohe Rendite zu erzielen. Sowohl eine hohe Eigenkapitalausstattung als auch erstklassige, hochsichere Wertpapiere sind zwar eine risikoarme Gewinnquelle, jedoch versprechen "höherverzinsliche, aber auch riskantere Kredite" eine wesentlich höhere Rendite. Also wurden sogenannte Subprime-Kredite an den problematischen Kunden zu hohen Zinssätzen verliehen, der "(...) in der Vergangenheit zahlungsunfähig war, bei ihm eine Zwangsversteigerung dokumentiert wurde oder er mit Kreditraten in Verzug geraten ist.
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