Banklovgivning og finanslovgivning: generelt

Macroprudential policy (MPP) has been one of the major initiatives in the post-2008 crisis restructuring of financial regulation. Under the macroprudential mandate, the regulator monitors and judiciously controls systemic risk in the financial system, in an attempt to minimise the probability and severity of a future financial crisis. The book reveals why MPP authorities are rightfully at the centre of a highly sensitive policy debate, as MPP necessitates the allocation of significant regulatory power to technocrats, while the highly technical nature of MPP makes policy evaluation challenging. Specific issues examined include: the importance of financial stability as a public policy goal; the political economy issues stemming from the delegation of MPP to an independent authority; and the definition of accountability in the context of MPP. Focusing on a case study on the Financial Policy Committee of the Bank of England, the macroprudential authority in the UK, the book develops the normative grounds to justify the need for accountability in the conduct of MPP, while also formulating the necessary institutional framework to ensure the accountability of MPP authorities.

Cyberrisiken sind für Unternehmen weltweit das größte Geschäftsrisiko. Die zunehmende Wahrscheinlichkeit, von einem Cyberangriff betroffen zu werden, wirft die Frage der Absicherung potentieller Schäden durch Versicherungen auf. Vor diesem Hintergrund untersucht die Autorin anhand der Musterbedingungen des Gesamtverbandes der deutschen Versicherungswirtschaft zur Cyber-Risikoversicherung (AVB Cyber), inwieweit Cyberrisiken angemessen abgesichert werden können. Daneben widmet sie sich der Absicherung durch traditionelle Sach- und Haftpflichtversicherungen. Ein wichtiger Aspekt betrifft die Problematik um ¿silent cyber". Unter diesem Stichwort wird die Absicherung von Cyberrisiken durch konventionelle Versicherungen zusammengefasst, die diese Risiken weder ausdrücklich ein- noch ausschließen.

Consiste en diálogos completos y reproducción de pantalla. Consiste en la historia completa Un delito, un fraude y una falsificación por parte de un empleado bancario. Gana dinero de forma fraudulenta. disfruta bien. Su familia se arruina. Tiene una segunda puesta a punto. Aterriza en problema. Los auditores bancarios notan este fraude y falta de dinero. Presenta un caso policial. Caso en el Tribunal de Justicia. Finalmente, el Tribunal absuelve al empleado de no culpable. A esa hora, la familia del empleado no se ve por ninguna parte. La familia se arruina. -------- Consists Full Dialogues and Screen Play. Consists of Full Story A crime, fraud and a forgery by a bank employee. He makes money in a fraudulent manner. Enjoys well. His family gets ruined. He has a second set up. He lands in problem. Bank Auditors notice this fraud and short-fall of money. Files a Police case. Case in the Court of Law. Finally, the Court acquits the employee of not guilty. By that time, the employee family is not seen anywhere. Family gets ruined. ------------------

Dieses Buch bietet eine umfassende Darstellung und Analyse zu den Besonderheiten des sogenannten Eintrittsmodells beim Kfz-Leasingvertrag und dessen Abrechnung in verschiedenen Beendigungssituationen.In drei Teile gegliedert beschäftigt sich das Buch im ersten Teil zunächst mit verschiedenen Konstellationen der Anbahnung des regelmäßig als drei-Parteien-Konstrukt ausgestalteten Leasinggeschäfts. Nach Vorstellung und Analyse der gängigen Vertragsanbahnungsmodelle geht die Verfasserin im weiteren Verlauf auf die Durchführung des Leasignvertrags sowie den Umgang mit Pflichtverletzungen ein. Der Leser erhält dabei erstmalig in diesem Detail einen anhand des Vertragszyklus orientierten Überblick zu den maßgeblichen Unterscheidungsmerkmalen zwischen zwei in der Praxis weit verbreiteten Modellen des Kfz-Finanzierungsleasings, dem Vorverhandlungs- und dem Eintrittsmodell.Dem Vertragszyklus weiter folgend wird in Teil 2 des Buches die auf die Vertragsbeendigung folgende Abrechnung des Leasingvertrags nach den unterschiedlichen in der Praxis verbreiteten Abrechnungsmodellen, insbesondere dem Kilometerabrechnungsvertrag und dem Leasingvertrag mit Restwertabrechnung, untersucht. Dabei stellt die Verfasserin die Besonderheiten des jeweiligen Abrechnungsmodells orientiert an den verschiedenen in Betracht kommenden Beendigungssituationen dar.Das Buch schließt in Teil 3 mit einer zusammenfassenden Bewertung der Untersuchungsergebnisse ab. Dabei zeigt die Verfasserin Lösungsvorschläge zu den von ihr herausgearbeiteten verbesserungsbedürftigen Punkten auf und geht hier auf u.a. mögliche Anpassungen der allgemeinen Leasingbedingungen sowie auf das Erfordernis weiteren gesetzgeberischen Handlungsbedarfs ein.

Navigate the intricate world of private equity and venture capital with "The Insider's Guide to Securities Law: Navigating the Intricacies of Public and Private Offerings." This comprehensive guidebook illuminates the complexities of the industry, serving as an essential resource for legal practitioners, investment professionals, and entrepreneurs alike.Venture into the fascinating domain of fund formation, understand the roles of limited and general partners, and uncover the strategic aspects of tax structuring. Get acquainted with the key regulatory authorities overseeing the industry, including the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), and the Commodity Futures Trading Commission (CFTC).Delve deeper into the regulatory landscape, exploring crucial compliance requirements, the essentialities of fiduciary duty, and the impact of the JOBS Act and other significant laws. Grasp the essentials of Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance, and learn how to navigate through the processes of sourcing and closing deals, conducting due diligence, and managing and exiting investments effectively."The Insider's Guide to Securities Law" offers practical insights, actionable strategies, and a detailed glossary of key terms, making the labyrinth of private equity and venture capital law accessible to both seasoned professionals and newcomers. Embark on a journey through the dynamic landscape of global finance with confidence and insight with this indispensable guide.

This book on Company Law in Brazil highlights the innovative options that the Brazilian legislature has developed in the modernization of the legal framework that governs business activities at the same time that it broadens horizons on the perception and knowledge of the business legal regime in Brazil. It is of great importance for academics who will have the opportunity to study and teach modern Brazilian Company Law and discuss the main Brazilian theories and legal options on Company Law. It is intended to serve as a reliable source for scholars who are interested in Brazilian Company Law and general Company Law as it can be used for comparative legal studies. For business operators the book provides reliable information on how business operations can be conducted under the Brazilian legal system. The book offers a comprehensive approach to Brazilian Company Law, ranging from the process of construction and modernization of Company Law in Brazil to the legal regime on insolvency and recovery of commercial entrepreneurs in Brazil. The figure of the commercial entrepreneur is highlighted, listing the main aspects to consider for the acquisition of the status of commercial entrepreneur in Brazil and the special obligations that are imposed on the business operators either individuals or companies.

Negotiable instruments include financial instruments that can be transferred to other parties. They include cheques, promissory notes, bills of exchange and other such media. Such instruments are responsible for millions of dollars of financial fraud globally. Therefore, it is important to have some understanding of what they are, and the laws related to them. In this book, we introduce the concept of negotiable instruments and the laws in India regarding the same, especially the negotiable instruments act and its amendments. We discuss two types of negotiable instruments, promissory notes, and cheques, in more detail. It is hoped that this book will enable the reader to get an idea of different kinds of negotiable instruments and laws in India related to them.

The Intersection of Law and Finance: A Guide for Business Leaders" is a comprehensive resource that delves into the crucial relationship between law and finance in the business world. Divided into 13 parts, this book covers everything from the basics of business law to the latest developments in Web 3 and Bitcoin. The book provides a valuable guide for business leaders looking to understand the importance of legal concepts and principles, corporate governance, securities laws and regulations, financial statement analysis and reporting, and much more. This book also explores the impact of Web 3 and Bitcoin on the financial landscape, business, and commerce, as well as the legal and regulatory issues that arise with these new technologies. Whether you're a business leader, legal professional, or simply looking to expand your knowledge, this CPD course offers essential insights into the intersection of law and finance.

Eine mehrsprachige interaktive Festschrift zu Konzepten sozialer Gerechtigkeit im Vertragsrecht. 40 Jurist:innen und Ökonom:innen aus 12 Ländern haben Kommentare geschrieben, auf die Reifner einzeln antwortet. Geld, sozialer Vertrag, Life Time Contracts, Social Finance, kollektive Rechtsdurchsetzung, Finanzaufsicht, finanzielle Allgemeinbildung sind Kapitel, die zeigen, wie interdisziplinär eine radikale Theorie mit einer pragmatischen Praxis einen sozialen Verbraucherschutz zum Eckpfeiler sozialen Wirtschaftsrechts machen könnte. Das Buch regt an eine Gesellschaft zu verändern, auf deren Diskriminierungstendenzen mit neuen Rechtskonzepten Antworten gesucht werden.Mit Beiträgen vonProf. Luisa Antoniolli | Ri Antônio Herman Benjamin | Prof. Karl-Jürgen Bieback | Edda Castelló | Olha O.Cherednychenko, PhD | Daniel Dönch, M.Sc. | Prof. Martina Eckardt | Prof. Rafael Encinas de Muñagorri | Prof. Giovanni Ferri | Damon Gibbons | Prof. Axel Halfmeier | Prof. Reinhold Hedtke | Prof. Geraint Howells | Prof. em. Nick Huls | Prof. Christian Joerges | Ass. Dr. Helena Klinger | Ass. Michael Knobloch | Prof. Eva Kocher | Prof. Wolfhard Kohte | Prof. Ulrich Krüger | Prof. Claudia Lima Marques | Prof. Brigitta Lurger | Prof. Matija Mayer-Fiedrich | Prof. Hans W. Micklitz | Prof. Doris Neuberger | Prof. Andrea Nicolussi | Prof. Johanna Niemi | Prof. Luca Nogler | Prof. Nuno Manuel Pinto Oliveira | Prof. Iain Ramsay | Dr. Christine Riefa | Prof. Peter Rott | Prof. Christoph U. Schmid | Sandra Schuster | Prof. Hans-Peter Schwintowski | Prof. Alessandro Somma | Asst.-Prof. Dr. Joseph Spooner | Prof. em. Klaus Tonner | Dr. Dirk Ulbricht | Prof. Alan M. White | Prof. em. Thomas Wilhelmsson

This open access book empirically analyses the competences (input), moderators (process), and disclosure (output) of board chair succession practices for publicly listed organisations in Switzerland. As primus inter pares (Latin for first among equals), the chair of the board of directors holds a unique organisational position. For fulfilling the non-transferable duties pursuant to Article 716a revCO, it is essential that the chair is a person who has rational economic and socio-emotional skills. To date, however, it is unclear how organisations structure the search for a chairperson. On the one hand, this ambiguity arises from a legal perspective, as succession-related formal regulations (hard law) or best-governance principles (soft law) are rare and often lack specificity, and, on the other hand, from a business perspective, as there is a lack of sufficient attention and diligence. Previous research on board governance has primarily focused on the dyadic relationship between board composition and organisational performance (board effectiveness research). However, as board succession is a dynamic process, the research focus should go beyond a pure output/performance paradigm.

Traditional knowledge systems are also innovation systems. This book analyses the relationship between intellectual property and indigenous innovation. The contributors come from different disciplinary backgrounds including law, ethnobotany and science.

Based on a questionnaire that provided a common framework, this survey focuses on the choice-of-law complexities and substantive similarities and differences involved in international secured transactions. Covering more than 40 jurisdictions, this resource reveals the richness and complexity of commercial law in respect of security interests in financial collateral for international transactions.

Practical and authoritative, this guide is a valuable tool to help decipher the complexities of executive compensation. By providing an overview of many key topics, this book highlights opportunities and pitfalls that are common in this area of the law. The book covers an introduction to executive compensation, tax aspects, ERISA, compensation and equity plans, partnerships and LLCs, and much more.

To help you decipher the complexities of banking law, this user-friendly guide provides a basic understanding to this specialty area. From outlining what is a bank to identifying your clients, this primer helps you understand "just the basics." Included is a comprehensive appendix of acronyms, lingo, and jargon that is easily accessible and includes banking terms, legal references, definitions, and more.

This practical guide for corporate directors and their counsel offers a "point in time" snapshot of intelligence and current thinking about the intersection of governance and sustainability. Written by practice leaders, this book provides insight on ESG matters including discussions on the role of the board, ESG landscape, litigation and risk management, corporate culture and governance, and more.

Insolvency and Bankruptcy Code, 2016 is not incremental reform but a paradigm shift towards resolution of financially stressed Corporate Persons, Partnership Firms, and Individuals. The Paradigm shift is reflected in unification of laws of insolvency, adoption of predominantly creditor-in-possession model and time bound resolution process. The Code provides for mechanism for prompt resolution of stressed entites failing which such entites have to go through liquidation or bankruptcy, as the case may be. Although the Code has been a seminal intervention in insolvency regime, there seems to be elements of inherent inequity in the scheme of the Code as Financial Creditors have been given superior rights and privileges in comparison to Operational and Other Creditors. This book critically analyses various aspects of the Code and is a must resource for lawyers, company secretaries, chartered accountants, insolvency professional, students and others who have interest in this emerging area.

This book investigates the regulation and promotion of financial inclusion and provides a comparative analysis of the regulation, promotion and enforcement of the relevant laws in the SADC (in particular, South Africa, Namibia, Botswana and Zimbabwe), as well as the challenges of financial inclusion. In turn, it evaluates financial inclusion in the context of specific challenges faced by unbanked and underbanked customers, who are easy targets for cyber criminals because they tend to have lower levels of digital literacy. The book presents novel discussions that identify the challenges and flaws associated with the enforcement of financial inclusion laws and related measures intended to promote financial inclusion in the SADC region. This is primarily done in order to reveal the current strengths and weaknesses of financial inclusion laws in relation to certain aspects of the companies, securities and financial markets in the region. For example, there is no commonfinancial inclusion instrument/law that is effectively and uniformly applied throughout the SADC. This has impeded the enforcement authorities¿ efforts to effectively combat financial exclusion across the region.The book is likely the most comprehensive study to date on the regulation and promotion of financial inclusion in the SADC region and fills a major gap in SADC and African legal jurisprudence. As such, it offers a valuable asset for policymakers, attorneys, bankers, securities (share) holders, and other market participants who deal with financial inclusion, as well as undergraduate and graduate students interested in the topic.

Zum WerkAnlässlich des 65. Geburtstages von Herrn Prof. Dr. Dieter Krimphove am 1. April 2023 erschien die Festschrift "Kernfragen des Europäischen Wirtschaftsrechts zwischen Recht, Ökonomie und Theorie".Herr Prof. Dr. jur. Dieter Krimphove, geb. am 1. April 1954 in Münster, ist nach Stationen an der Akademie Deutscher Genossenschaften (Montabaur) und der FHTW-Berlin seit 1997 Inhaber des Lehrstuhls für Wirtschaftsrecht und Europäisches Wirtschaftsrecht an der wirtschaftswissenschaftlichen Fakultät der Universität Paderborn, sowie Visiting-Professor der Universität für Weiterbildung Krems und der Universität Straßburg. Im Jahr 2009 verlieh die Europäische Kommission ihm, aufgrund besonderer Verdienste um das Europarecht, den Titel Jean Monnet-Professor "ad personam".Zu seinen Forschungsschwerpunkten zählen das Internationale Privatrecht, das Internationale Handelsrecht, die (Rechts)logik und Rechtstheorie, das Bank- und Kapitalmarktrecht sowie das Europäische Arbeitsrecht. Ein zentraler Bestandteil seiner Forschung ist die ökonomische Analyse von Rechtsnormen. Hierzu verwendet er die von ihm weiterentwickelte komparative Institutionenökonomik.Entsprechend der Forschungsschwerpunkte von Herrn Prof. Dr. Krimphove enthält die Festschrift Beiträge aus den Gebieten:Internationales und europäischesPrivatrechtInternationales und europäischesWirtschaftsrecht,Europäisches Bank- und Kapitalmarktrecht,Europäisches Arbeitsrecht(Rechts)logik, RechtstheorieÖkonomie und RechtZielgruppeFür Theoretiker und Praktiker folgender Disziplinen:

Die heute auch im kontinentaleuropäischen Insolvenzrecht etablierte Dogmatik der Restschuldbefreiung für natürliche Personen hat ihren Ursprung in der angloamerikanischen Rechtsfigur der bankruptcy discharge. Diese Arbeit untersucht die Entstehung der bankruptcy discharge ab dem frühen 18. Jahrhundert im englischen Recht. Einen weiteren Schwerpunkt legt die Arbeit auf die Entwicklung der Rechtsfigur im US-amerikanischen Recht des 19. Jahrhunderts. Die Untersuchung nimmt dabei Bezug auf die historischen Grundbausteinen des römisch-kontinentalen Insolvenzrechts, die das angloamerikanische Recht ab dem 16. Jahrhundert teilweise übernahm und im eigenen Rechtsumfeld weiterentwickelte.

L'objectif principal de ce livre est de montrer comment le producteur de matières premières, en particulier de café de Bahia occidentale, doit se comporter lorsqu'il négocie sur le marché à terme, en lui fournissant des outils qui l'aideront à minimiser les risques de cette activité. Cet ouvrage s'attache à démontrer comment ce marché s'est formé ainsi que l'importance de l'ensemble des marchés financiers pour le développement économique d'un pays.

Osnownaq cel' ätoj knigi - pokazat', kak dolzhen westi sebq towaroproizwoditel', osobenno kofe iz Zapadnoj Baii, pri wedenii peregoworow na f'üchersnom rynke, tem samym predostawlqq instrumenty, pomogaüschie minimizirowat' risk ätoj deqtel'nosti. V dannoj rabote osnownoe wnimanie udelqetsq obsuzhdeniü woprosa o tom, kak formirowalsq ätot rynok, a takzhe o wazhnosti wseh finansowyh rynkow dlq äkonomicheskogo razwitiq strany.

Strengthening financial sector regulatory arrangements has been a major focus of the G-20 since the crisis in 2008, and progress in strengthening financial regulations is often cited as its success. Nonetheless, the overall contribution of the G20 as a political forum for the oversight of international financial regulation is diming as FinTech is blurring the boundaries between intermediaries and markets, as well as between digital service providers moving into the financial space, nonbank financial companies, and banks. Along the same line, financial technology is causing paradigm changes to the traditional financial system, presenting both challenges and opportunities. As FinTech grows rapidly, the importance of regulation and supervision becomes more prominent.The three cornerstones of banking: taking deposits, making loans, and facilitating payments are being reassembled functionally and digitally outside of the bank regulatory perimeter by certain firms. Without comprehensive consolidated supervision, no single regulator can see the whole picture and understand how a firm as a whole operates and takes risk. No crypto firm to date is subject to comprehensive consolidated supervision, creating gaps in supervision alongside risks. Countries around the world are taking divergent views on cryptocurrency and other so-called ¿Web3¿ technologies based on blockchain. This book aims to provide a comparison between the various available approaches, models, or legislations by identifying certain key legislative policies within the G-20 as they cope with innovative financial technologies, and will be of interest to scholars, students, and practitioners of banking, financial regulation, risk management, and financial technology.

This is the first book to focus on the legal question of the incorporation of arbitration clauses, even though this issue constitutes a common problem that arises frequently in practice. This book will be of interest to lawyers and professionals in arbitration, reinsurance, construction, and shipping, as well as to relevant academic courses.

Die Untersuchung der Motive der Banken bei Umstrukturierungsmaßnahmen, d.h. : Bewältigung des unsicheren Umfelds, Erreichen einer kritischen Größe sowie geografische und produktbezogene Diversifizierung, zeigt, dass die KMU bei diesen neuen Orientierungen nicht besser gestellt sind. Um die Auswirkungen dieser Umstrukturierungsmaßnahmen auf die Beziehung zwischen Banken und KMU zu verstehen, müssen die Veränderungen auf den verschiedenen hierarchischen Ebenen der Bankorganisation analysiert werden. Diese Veränderungen zeigen sich vor allem in der Zuweisung von Entscheidungsrechten und in neuen Mechanismen.

Les banques du secteur public (PSB) sont des banques dont la majorité des parts (c'est-à-dire plus de 50 %) est détenue par le gouvernement. Le gouvernement indien s'est lancé dans le secteur bancaire pour mettre en ¿uvre l'agenda social visant à étendre la portée géographique et fonctionnelle des services financiers aux secteurs jusqu'alors négligés, tels que l'agriculture et les pauvres des zones rurales, avec la nationalisation de l'Imperial Bank of India en 1955, rebaptisée State Bank of India, des sept autres banques d'État nationalisées le 19 juillet 1960 (aujourd'hui filiales de la SBI), de 14 grandes banques en 1969 et de six autres banques en avril 1980. D.R. Gadgil, président du Comité pour le cadre organisationnel de la mise en ¿uvre des objectifs sociaux (1968). Le Social Banking comprend les prêts au secteur prioritaire et l'expansion des succursales dans les zones rurales et semi-urbaines. Plus tard, l'inclusion financière est devenue une composante du Social Banking en 2008 (le rapport du Comité sur l'inclusion financière a été soumis en 2008). L'étude a pour but de donner un aperçu des activités de Social Banking mises en ¿uvre par les banques commerciales du secteur public en général et par la State Bank of Hyderabad en particulier.

Le banche del settore pubblico (PSB) sono le banche in cui la maggioranza (cioè più del 50%) è detenuta dal governo. Il Governo indiano è entrato nel settore bancario per attuare l'agenda sociale di estendere la portata geografica e la diffusione funzionale dei servizi finanziari a settori fino ad allora trascurati come l'agricoltura e i poveri delle campagne, con la nazionalizzazione della Imperial Bank of India nel 1955, ribattezzata State Bank of India, delle altre sette banche statali nazionalizzate il 19 luglio 1960 (ora filiali della SBI), di 14 grandi banche nel 1969 e di altre sei banche nell'aprile 1980. Social Banking è il termine coniato dal Prof. D.R. Gadgil, Presidente del Comitato per il quadro organizzativo per l'attuazione degli obiettivi sociali (1968). Il Social Banking comprende i prestiti al settore prioritario e l'espansione delle filiali nelle aree rurali e semi-urbane. In seguito, l'inclusione finanziaria è diventata una componente del Social Banking nel 2008 (il rapporto del Comitato sull'inclusione finanziaria è stato presentato nel 2008). Lo studio è stato intrapreso per avere una visione delle attività di Social Banking implementate dalle banche commerciali del settore pubblico in generale e dalla State Bank of Hyderabad in particolare.