Banking Act

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At Banking Act (KWG) mutemo weGermany uyo ane chinangwa mutemo wemusika uye mutemo wemisika yekodhidhi yehurumende.

The German Banking Act zvinoshanda mari mabasa masangano uye zvikwereti nemasangano (ona. § 1 ya. 1 1 S., ya. 1a S.1, ya. 1b).

Chinangwa chikuru chechikwata chekwereti ndechekuti:

- kuchengetedzwa nekuchengetedza kwekushanda kwekodzero yekodzero yekodzero
- kuchengetedzwa kwevakwereta 'zvikwereti zvekwereti nezvekurasika kwemari

Kunyanya, inoratidza muna § 6 KWG kuti mabasa ose BaFin inodzora (BaFin). saka BaFin ave maererano § 6 ya. 1 kwenguva inonzi zvechechi cherechedzo, kureva basa reutariri yemabasa zvemari uye zvikwereti nemasangano uye mumwe ari puranga, kuti kazhinji anosiririsa mamiriro cherechedzo muna Finanzleistungs- uye zvikwereti zvakakodzera kuita rwezvemabhengi kwema kana mabasa emari nechokwadi uye kudzivisa panowanikwa zvinokosha nekuipira kuti yose upfumi hwenyika.
Zvisinei, rudzi urwu rwekutarisa haruna kurongedza mutengi mumwe nomumwe kana kuti chikwereti, asi rinoshandisa kudzivirirwa kwevose vanokweretesa mukuzivisa kwavo uye kuvimba kwevanhu mukukwanisa kwemari yemari uye zvikwereti zvekwereti kuti zviite. Mutemo weBanki wakagamuchirwa semhinduro kumabhizinesi ebhengi e1934 muGermany uye yakatanga kushanda gore rimwe gare gare mukutanga kwayo.

Mutemo weBanki uye mitemo yakawedzera inorayira zvikwereti zvisingabvumirwi pane zvikwereti zvekwereti, izvo zvinoita kuti zvikwereti mabanki aite zvimwe zvipingamupinyi. Mitemo iyi inogona kugoverwa pamusana pehuwandu hwehuwandu hwemungozi:

Iyo ngozi yakaipa:
- § 10 KWG; Kutaura nezvezvipingamupinyi zvekuparadzana kusingagumi nemari (Solvency Regulation)
- §§ 13, 14 KWG; Zvikwereti zvakakura uye mamiriyoni emadhora emari

Ngozi yepamusika:
- § 10 KWG; Inotungamirirwa neChechi yeMarikiti Njodzi neye Own Funds (Solvency Regulation)

Liquidity nengozi:
- § 11 KWG (inotaurwa neLiquidity Regulation)

Dambudziko rekushanda:
- § 10 KWG; Kushandisa zvinokonzera kuburikidza nemari yavo (Solvency Regulation)
- § 13 para. 2 KWG; guru ekisiposha
-§§ 15, 17 KWG; nhego chikwereti
-§ 18 KWG; Kuongororwa kwemamiriro emari
-§ 25a KWG; sangano rinosungirwa (kupesana nemari, §§ 25b kusvika 25i KWG)
-MaRisk sechinyorwa che § § 25a KWG
-§ 32 para. 1 KWG; mvumo

Information Risk:
- § 23 KWG; kushambadzira kurambidzwa
- §23 ku KWG; dhipoziti vimbiso
-§§ 39, 40 KWG; Zvisarudzo Sparkasse, Bank, Bankier, Volksbank

mitemo

Bhuku reBhange rinopa hwaro hwepamutemo izvo Bundesbank neBaFin vanogona kugamuchira ruzivo kubva kumabhangi uye vane simba rakakwana kune zvikwereti zvekwereti.
Pasi pemutemo weChiability, kusungirirwa kwekubika kwemasangano anotarisirwa kunotorwa:

Zvose zvinotarisirwa kupa ruzivo:
- § 44 KWG
Ruzivo uye kuongororwa kwemasangano: Mabhangi ane basa guru rekupa ruzivo pamusoro pezvinhu zvose zvebhizimisi, kunyange pasina chiitiko chinokosha.

Information on solvency
- § 10 KWG pamwe nesangano reSolvency Ordinance: Ndima iyi inotaura nezvekugovera zvakakodzera mari yezvikwereti zvose. Mwedzi wekodhi wenyika yose yakasikwa. Izvo zvinokoshawo kuongorora uye kubvumira mabhizimisi emagetsi.

Mashoko pamusoro pemvura

§ 11 KWG pamwe chete nemutemo wekutengesa: nzvimbo yehupfumi yezvikwata zvekwereti inomiririrwa nekugadzirwa kwemwedzi wepamusoro.

guru exposures

- §§ 13, 13a, 13b KWG: Kubhadhara zvikwereti: Mabhenji anofanirwa kuudza zvikwereti zvavo zvakawanda kwekota imwe neimwe. Nguva yekupa chikwata chikuru chekwereti inogona kudarika chete nemvumo yeBaFin. Mari inodarika chikwereti chikuru chekwereti inofanira kunge ichizviisa kune mamwe mari. Zvimwe mirairo pamusoro pekukweretesa kukuru kunotungamirirwa muGross- und Millionenkreditverordnung (GroMiKV).

Nhoroondo dzeMwedzi uye yegore

- § 25 KWG: Mari yebhadharo yemwedzi pamwedzi (inowanikwa pamwedzi) kuDeutsche Bundesbank inofanira kushandiswa neBaFin.

- § 26 KWG: Mharidzo yezvinyorwa zvemari, mapurisa ekuongorora uye nhepfenyuro

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