Act banki

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Pa Act banki (KWG) ndi lamulo la Germany lomwe cholinga chake ndi malamulo a msika komanso malamulo a msika wa ngongole.

The German banki Act imakhudzanso mabungwe ntchito ndalama ndi mabungwe ngongole (onani. Kamutu 1 Para. 1 1 S., Para. 1a S.1, Para. 1b).

Cholinga chachikulu cha bungwe la ngongole ndi:

- kutetezedwa ndi kuteteza mphamvu zogwirira ntchito za chuma cha ngongole
- kutetezedwa kwa mabungwe okwanira ngongole za ngongole kuti asatayire ndalama

Makamaka, zikusonyeza mu § 6 KWG kuti ntchito za BaFin nthawi (BaFin). BaFin N'chifukwa chake malinga Kamutu 6 Para. 1 kwa otchedwa kuyang'aniridwa nchito, kapena kuti amayang'anira mabungwe a zachuma komanso mabungwe ngongole ndi ena chimango, ndi zambiri oipa boma kuyang'aniridwa mu Finanzleistungs- ndi ngongole ntchito moyenera wotuluka banki kapena ntchito ndalama kuonetsetsa ndi kuteteza zosayembekezereka wa kuipa kwambiri kwa chuma lonse.
Komabe, mtundu wa kuyang'aniridwa ikuchitika osati kuteteza ogula payekha kapena ngongole, koma akutumikira kuteteza angongole onse generality awo ndi chidaliro cha anthu kugwira ntchito za mabungwe a zachuma komanso mabungwe ngongole. The German Act banki Analeredwa monga yankho ku mavuto banki ya 1934 ku Germany ndipo patatha chaka adalowa mphamvu mu maonekedwe ake oyamba.

Lamulo la Mabanki ndi malamulo oonjezerapo amaletsa kulepheretsa kuti mabungwe a ngongole aziletsedwa, zomwe zingatheke kuti mabanki athe kuwononga. Malamulowa akhoza kugawidwa pazifukwa zochepa za mtunduwu.

Choopsya chosatha:
- § 10 KWG; Kuwonetsa zoopsa za kusakhulupirika kwachinyengo ndi ndalama zake (Solvency Regulation)
- §§ 13, 14 KWG; Ngongole zazikulu ndi ngongole za dola milioni

Mavuto a msika:
- § 10 KWG; Zowonongeka Zowonjezera Mtengo Wamtengo Wapatali ndi Zomwe Zili Ngongole (Solvency Regulation)

Liquidity chiopsezo:
- § 11 KWG (yotchulidwa ndi Liquidity Regulation)

Kuopsa kwa ntchito:
- § 10 KWG; Kusokoneza ntchito pogwiritsa ntchito ndalama (Solvency Regulation)
- § 13 para. 2 KWG; kukhudzana lalikulu
-§§ 15, 17 KWG; ngongole limba
-§ 18 KWG; Kufufuza za mavuto azachuma
-§ 25a KWG; maudindo a bungwe (anti-money laundering, §§ 25b ku 25i KWG)
-Marisk monga kukwaniritsa kwa § 25a KWG
-§ 32 para. 1 KWG; chilolezo

Information Chiopsezo:
- § 23 KWG; malonda chiletso
- §23 ku KWG; chitsimikizo gawo
-§§ 39, 40 KWG; Mapangidwe a Sparkasse, Bank, Bankier, Volksbank

malamulo

Lamulo la Mabanki limapereka maziko omwe bungwe la Bundesbank ndi BaFin likhoza kulandira chidziwitso kuchokera ku mabanki ndikutsogoleredwa ndi mabungwe a ngongole.
Pansi pa Liability Act, maudindo oyenerera a maofesi oyang'aniridwa amachokera:

Udindo waukulu wopereka chidziwitso:
- § 44 KWG
Zambiri ndi kafukufuku wa mabungwe: Mabanki ali ndi udindo waukulu wopereka chidziwitso pa nkhani zonse za bizinesi, ngakhale popanda mwayi wapadera.

Zambiri pa solvency
- § 10 KWG mogwirizana ndi Solvency Ordinance: ndimeyi ikukhudzana ndi momwe ndalamazo ziliri ndi ndalama zokhazokha. Makhalidwe a mwezi ndi mwezi adalengedwa. M'pofunikanso kubwereza ndikuvomereza zitsanzo za banki.

Chidziwitso pa zamtengo wapatali

Kamutu 11 KWG mogwirizana ndi lamulo lopanda malire: malo osungirako ndalama a mabungwe a ngongole akuyimiridwa ndi kukonzekera kwa mwezi uliwonse.

exposures lalikulu

- §§ 13, 13a, 13b KWG: Ngongole yayikulu: Mabanki amayenera kulengeza ngongole zawo zazikulu patsiku lililonse. Nthawi yowonjezera kukwera kwa ngongole yaikulu ikhoza kupitirira ndi chilolezo cha BaFin. Ndalama yomwe imadutsa mtengo waukulu wa ngongole iyenera kukhala pansi pa ndalama zina. Malamulo ena okhudza ngongole zazikulu amalembedwa mu Gross- und Millionenkreditverordnung (GroMiKV).

Nkhani zamwezi ndi za pachaka

- Kamutu: 25 KWG: Mwezi wam'ndandanda wa malipiro (mwezi malipiro) kwa Deutsche Bundesbank ayenera kuwonetsedwa ndi BaFin.

- § 26 KWG: Kuwonetsera mauthenga a zachuma, malipoti a kafukufuku ndi malipoti

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