Banking dokar

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A Banking dokar (KWG don takaice) wata doka ce ta Jamus wadda manufar ita ce kasuwar kasuwa da tsarin kasuwancin tsarin bashi.

A Jamus Banking dokar ta shafi kudi ayyuka cibiyoyin da bashi cibiyoyin (ga. § 1 para. 1 1 S., para. 1a S.1, para. 1b).

Babban dalilai na dokar banki sune:

- adanawa da kiyayewa da aikin masana'antun banki
- kare katunan bashi daga gidajen bashi daga asarar kudaden su

A musamman, ya nuna a § 6 KWG cewa ayyuka na BaFin shirya (BaFin). BaFin ya haka bisa ga § 6 para. 1 ga wata da ake kira hukumomi dubawa, cewa shi ne ya motsa jiki dubawa na kudi ayyuka da kuma bashi cibiyoyin da kuma sauran a cikin firam, da kullum deplorable jihar dubawa a Finanzleistungs- kuma bashi da ta dace yi na banki ko kudi ayyuka zuwa kuma ta haka ne hana haɗarin rashin ciwo mai mahimmanci ga dukan tattalin arzikin.
Duk da haka, wannan nau'in kulawa ba ya kare mutum mai amfani ko mai bin bashi, amma ya kare don kare dukkan masu bashi a cikin ɗakinsu da amincewa da jama'a game da aikin ayyukan kudi da kuma cibiyoyin bashi. An amince da Dokar Banki a matsayin maganin matsalar banki na 1934 a Jamus kuma ya shiga cikin karfi bayan shekara daya a farkon tsari.

Dokar Bankin da kuma dokokin da aka tsara sun ba da izini kan cibiyoyin bashi, wanda ya rage iyakar bankunan da za su iya ɗaukar wasu hadari. Wadannan dokoki za a iya rarrabawa bisa tushen haɗari:

A tsoho hadarin:
- § 10 KWG; Ƙididdige hakikanin haɗari da kudaden kuɗi (Solvabilitätsverordnung)
- §§ 13, 14 KWG; Babban bashi da miliyoyin kuɗi

Kasarin kasuwa:
- § 10 KWG; Ƙaddamar da farashin kasuwar kasada tare da kudaden kuɗi (Solvabilitätsverordnung)

Liquidity hadarin:
- § 11 KWG (ƙaddamar da Dokar Liquidity)

Haɗarin aiki:
- § 10 KWG; Ƙididdigewa na haɗarin aiki ta hanyar kudaden kuɗi (Solvabilitätsverordnung)
- § 13 para 2 KWG; manyan daukan hotuna
-§§ 15, 17 KWG; Gabar bashi
-§ 18 KWG; Binciken yanayin tattalin arziki
-§ 25A KWG; halayen kungiyoyi (rigakafin kudi na rigakafi, §§ 25b zuwa 25i KWG)
-Da'aƙƙan Hanya kamar ƙaddamar da § 25A KWG
-§ 32 para 1 KWG; izni

Bayani Hadarin:
- § 23 KWG; talla ban
- §23 a KWG; ajiya garanti
-§§ 39, 40 KWG; Rahotanni Sparkasse, banki, banki, Volksbank

dokokin

Dokar Banki ta ba da tushen doka wanda Bundesbank da BaFin zasu iya samun bayanai daga bankunan kuma suyi tasiri a kan cibiyoyin bashi.
A karkashin Dokar Bankin Jamus, wajibi ne na ɗakunan kulawa su fito daga:

Babban bayanin da ake bukata:
- § 44 KWG
Bayani da jarrabawar cibiyoyin: A nan, bankuna suna da cikakken wajibi don samar da bayanai game da duk al'amura na kasuwanci, koda ba tare da wata ma'ana ba.

Bayanin kuɗi
- § 10 KWG tare da Dokar Shari'a: Wannan nassi ya shafi kasancewa mai dacewa da dukiyar kuɗin kuɗin kuɗi. A nan, an ba da lissafi a kowane wata. Har ila yau yana buƙatar sake dubawa da amincewa da samfurori na haƙƙin.

Bayani game da kudaden ruwa

§ 11 KWG dangane da Dokar Liquidity: An tsara yawan kuɗi na ɗakunan basira ta hanyar samar da wani kudaden ruwa a kowane wata.

manyan exposures

- §§ 13, 13A, 13b KWG: Babban bashi: Ana buƙatar banki a kowace kwata don bayar da rahoton manyan kudade. Lokacin ƙayyadadden ƙididdigar ƙimar kuɗi mai girma kawai ba za a iya wucewa tare da amincewar BaFin ba. Dole ne adadin kuɗin da ya wuce babban ɗakin bashi dole ne a biya kuɗin kuɗi. Ƙarin tanadi akan bashi mai yawa ana sarrafa su ta Dokar Biyan Kuɗi da Asusu (GroMiKV).

Bayanai a cikin watanni da asusun ajiyar shekara

- § 25 KWG: Za a gudanar da kididdigar lissafi na kowane wata (bayani na wata) zuwa Bankin Tarayyar Jamus ta BaFin.

- § 26 KWG: Gabatarwa na asusun ajiyar kuɗi, rahoton rahotanni da gudanar da rahotanni

Abubuwan da suka danganci:

Babu kuri'u duk da haka.
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