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EU wants to revive securitisations as a form of investment

Frankfurt – Mortgage lending bundled with bundles triggered the global financial crisis in 2008. Such securitisations are barely traded in Europe. That’s what the European Commission wants to change. Securitization, it is said, is better than its reputation and an important pillar for financing the economy. Financial Stability Commissioner Jonathan Hill wants to put the odds and risks in a reasonable relationship with the bill expected this Wednesday – a complicated exercise.

News / Finance

Picture: Money Picture: © ElenaR / fotolia.com / Text: dpa-AFX

“The basic idea of a securitization is a good one: a bundle of claims is converted into marketable securities and placed on the capital market,” wrote Bundesbank CEO Andreas Dombret recently in a guest contribution for the “Börsen-Zeitung”. Banks can thus bundle and resell loans. For this, they automatically have to reserve less capital for possible defaults and can instead lend new loans. Even the well-known as a financial market critic Green MEP Sven Giegold can win such papers something. He said his group was in favor of simplifying simple structured securitisations.

However, the business was exaggerated before the financial crisis – especially in the US. Loans of questionable quality were increasingly being lent, packaged and distributed in the financial system in such a way that risks were barely recognizable. Then, when many homeowners could no longer service their loans, the bubble burst and the severe financial crisis took its course.

The shock continues in Europe to this day. According to data from the European financial market association AFME 2008, asset-backed securities totaled 815 billion euros, compared to just 217 billion last year, despite the European Central Bank’s ultra-loose monetary policy and its billion-dollar buy-up program includes securitisations. By contrast, the market in the USA has stabilized long ago.

In the opinion of experts in Europe, there have never been such excesses as in the USA. “No scrap was ever packed here,” says Allen & Overy law firm securitization expert Stefan Henkelmann. Federal banker Dombret points out that failure rates of securitized US residential mortgage loans were between 3 and 15 percent, in Europe at most one percent. European securitization had “not the slightest” to do with the outbreak of the financial crisis, therefore concluded the head of the German securitization organization True Sale International, Hartmut Bechtold.

And yet the market is in crisis. Many banks have thinned out their department or withdrawn completely from this market – also because of the tightened after the crisis rules.

A source of financing for the economy has thus largely dried up. With his first major legislative initiative, Hill’s Financial Stability Commissioner, which has been in office since November, wants to get the market back on track. The move is a foretaste of the much larger Capital Markets Union project in Europe, designed to facilitate cross-border financial operations in Europe.

“The focus is on regaining confidence in a market and only to a limited extent in preventing a new financial crisis,” said securitization expert Stefan Schütt of the business consultancy BearingPoint. Decisive for the success were contradictory, comprehensible rules for the complex market.

Now the capital requirements for securitisations are to be lowered. However, this only applies to papers that receive the seal of quality “Simpel, Transparent, Standardisiert” (STS) from the EU. In order to avoid disincentives, it should remain with the so-called deductible introduced after the financial crisis. Accordingly, lenders must retain at least five percent of their own books from a bundle of credit.

The EU wants to ensure that banks continue to pay close attention to the quality of credit. To exclude that securitization to a garbage dump for poison paper, politician Giegold considers the quota but too low. He suggests for more complex instruments 15 percent self-retention, the former Bundesbank Board Franz Christoph Zeitler argues for a similar rate.



France and Germany want to give more sovereignty to the EU so that the ECB can buy massive debt

France and Germany want to give more sovereignty to the EU so that the ECB can buy massive debt

  • This is published on Sunday by the German and French press.
  • The German Chancellor, Angela Merkel, has given its arm to twist in the aspect of the debt purchase of the BCE, something to which until now it had been denied.
  • The French president will present part of the ideas of the reform of the EU Treaties this Thursday in Toulon (France).
  • The new euro pact would be an agreement between individual countries and not a treaty that the Twenty-seven would have to ratify.
  • This pact would force a strict control of national deficits and sanction supranational budget supervision.
  • Who is who in the European debt crisis.
  • The keys to the debt crisis | Chronology of the crisis.

Headquarters of the ECB in Frankfurt. Kai Pfaffenbach / Reuters

Paris and Berlin prepare, in their announced joint proposal of reform of the Treaties of the European Union (EU), a greater cession of sovereignty , with a reinforcement of the intergovernmental cooperation, according to informed this Sunday Le Journal du dimanche .

French President Nicolas Sarkozy will present part of the ideas he negotiates with German Chancellor Angela Merkel next Thursday in Toulon (south of France), in a speech explaining that the European Commission should have “new supranational powers “

The newspaper, quoting government sources without identifying them, says that Sarkozy will defend the reform of the Treaties that he and Merkel advanced last Thursday in Strasbourg that they will present to their community partners before the European Council on December 9.


On the other hand, the German press reported on Sunday that the new euro stability pact negotiated by Berlin and Paris will pave the way for the European Central Bank (ECB) to buy debt in a massive way , something that until now has been had denied the German chancellor, Angela Merkel. The details of this new pact (which would create a “club of the supereuropeans” or a “coalition of savers”, according to the German newspaper Die Welt am Sonntag ) could be known in part next week and be revealed in full at the summit of EU leaders next December 9 in Brussels.

Role of the European Commission

Regarding this reform of the role of the European Commission , the Journal du dimanche states that EU leaders must request it and that national parliaments “will maintain the initiative of the efforts that will have to be reached”. The newspaper adds that Sarkozy will refrain from mentioning the term “federalism” for the new architecture that comes out of the reform of the Treaties that Paris and Berlin will propose and that will be spoken rather of “a reinforcement of the intergovernmental” .

The European press points out that a reform of the European treaties would take at least a year to enter into force. The source also adds that this “loss of sovereignty” of the Member States has already caused differences within the French Government and that the Foreign Minister, Alain Juppé, has expressed his opposition to the countries’ budgets being submitted to the approval of an intergovernmental conference.

The sources of the French newspaper estimate that the procedure to reach that state that will be proposed ” will be long, the Elysium counts it in years”.

Purchase of massive debt

The subscribers of the new pact in which the ECB could buy massive debt, which would be an agreement between individual countries and not a treaty that the Twenty-seven would have to ratify, would force a strict control of national deficits and sanction a supranational budget supervision. “This will demonstrate their determination to tackle the debt problem quickly and comprehensively,” says the publication Die Welt am Sonntag .

In return, the signatories would have the permanent support of the ECB which, maintaining its independence but willing to support countries committed to fiscal consolidation, would act decisively in the debt markets to keep interest rates on its sovereign bonds low. . “After these (adjustment) measures, there should be a majority within the ECB ready to make more forceful interventions in the capital markets,” a German government source told the newspaper.

“The ECB will help”

Apparently, the European monetary authority has already been probed about its position with respect to this new pact negotiated in secret by the Governments of France and Germany and that, despite the diffusion in German media, has not been officially confirmed.

In this regard, an unnamed ECB member added to the Die Welt am Sonntag that “if politicians have problems while taking a truly comprehensive step, then the ECB will come into play and help .”

The reasons for the new pact

The reasons for Merkel and French President Nicolas Sarkozy to promote this new agreement (which somehow bypasses the European Commission) are the need to act quickly and to avoid the blockages of individual countries . The sources consulted by the German newspaper pointed out that a reform of the European treaties would take at least a year to come into force , when this new way could be ready for January or February 2012.

Germany and France are not willing to wait for unanimity from all EU countries If this stability pact were to be negotiated through the EU rather than as an agreement between countries, it could be embarrassing for one of the 27 countries (even if it is not in the EU). Economic and Monetary Union) refused to ratify it.

“Germany and France are not willing to wait for unanimity from all EU countries,” says the publication, which recalls the nervousness installed in the markets and the growing problems of countries such as Spain and Italy, but also France and Germany, to place your bonuses.

Furthermore, with this step, the reluctance of some countries to commit themselves more effectively to fiscal consolidation and to European fiscal integration, a need according to Merkel and Sarkozy, can be nullified.

Among the countries that have so far been most critical of the possibility of greater fiscal cohesion in the EU, the United Kingdom stands out.

The German Chancellor seems to have given his arm to twist with respect to the role of the ECB due to increased pressure from other partners in the eurozone and other countries such as the United Kingdom and the United States, and their opposition to the other possible exit to The crisis: Eurobonds.

Hamburg – More and more Germans take out a loan to finance the purchase of a vehicle.

Hamburg – More and more Germans take out a loan to finance the purchase of a vehicle.

The number of debt financing has increased by 18 percent since 2011. This is the result of a representative survey of German vehicle owners conducted on behalf of hnw consulting.

Picture: Money

While the proportion of vehicles financed by debt financing was still 27 percent in 2011, it rose to 45 percent in 2012. The Hamburg-based consulting firm consulting hnw determined this in his study “workshop services from the perspective of the vehicle owner,” which was performed in 2012 for the second time. 1,082 vehicle owners from Germany participated in the online survey.

“How much the figures have changed in just one year is amazing,” says Carsten Nyhuis, Partner at hnw consulting. “Manufacturers and banks are increasingly successful to lure consumers with cheap car loans. The difficult economic times make it a lot of people impossible to save for their own car. Yet few German are willing to restrict their mobility. Attractive offers for car financing in the current Low interest rates come as called. “

Debt financing for used cars rising sharply

But not always used auto loans long to make the really big jumps: Many do not use the possibility of debt financing for the purchase of a new car, but content themselves with a used vehicle. The proportion of motorists whose cars are at most one year old rose only slightly in 2012, from nine to twelve percent. 38 percent drive a car that is between two and five years old. They are by far the largest group, with the number falling by two percentage points compared to 2011. 26 percent of the vehicles on Germany’s roads are six to ten years old, this proportion is almost constant.

“The car dealers respond to the crisis, such as special rates for discontinued models,” says Carsten Nyhuis. “The customers like to grab the opportunity then, if at the same time fit the conditions for debt financing.”

For installment credit comparison


Current Account Test – Convenient comparison with the account computer

Current Account Test - Convenient comparison with the account computer

The banks and savings banks often offer checking accounts at very different prices and conditions. When looking for the right current account, it is worth taking a look at the current account tests of Stiftung Warentest. In the best case, you do not have to pay any fees for the current account as a customer and still receive extensive services.

Information about current account test winner

A look at the current checking account tests can help those interested in finding a very good checking account to their liking. Quite often, offers from banks or savings banks can also come into question for their own needs if they receive a very good test result in an independent comparison and are named test winner.

The comparison of different current accounts pays off for consumers almost always. Those who opt for the best checking account can save money. Even bank customers who already have a current account can compare the costs and service of the winners of the current account test with their current conditions and quickly determine whether a change of the provider may be worthwhile for them.

Super Saver

The nearest bank or savings bank does not always offer the best conditions for current account holders. If you want to save money, you should inquire in detail how much account maintenance fees and overdraft rates are with other providers. Often, switching to an online account can save costs.

Current account test 2016: Where the account management is still free

While Stiftung Warentest has found in examinations of earlier years many free current accounts, there are hardly any banks in the latest current account test of the consumer organization for the financial test issue 10/2016 , which require no fees for the account management . 104 financial institutes with 241 account models were scrutinized – only 24 of them are “without any ifs and buts” for free. In addition, there are fewer banks where there are no charges for the account under certain conditions. Instead of 38 as in the last test in 2014, there are now only 22 checking accounts.

According to Stiftung Warentest’s 2016 checking account, bank customers do not have to pay any fees for the following banks , with some direct banks and others operating predominantly in certain regions: 1822direkt, Comdirect Bank, Consorsbank, Edekabank, ING-DiBa, Netbank, Norisbank, Santander Bank, Santander Consumer Bank, Wüstenrot Bank, Spar Hessen, Southwest Bank and the PSD banks Lower Bavaria-Oberpfalz, Berlin-Brandenburg, Braunschweig, Hesse-Thuringia, Karlsruhe-Neustadt, Kiel, Koblenz, Cologne, Munich, Nuremberg, RheinNeckarSaar and Rhine-Ruhr ,

Attention: Since the financial institutions often offer several account models, interested people should pay close attention to which they choose in the end.

Current account test of Stiftung Warentest: Further test winner

Also in June 2014, a comprehensive checking account test was published in the financial test. The test shows that it is not necessary to pay money for his checking account. Because also free offers can convince with good performances. For the checking account test, a total of 176 accounts were checked. 68 of the current accounts examined are offered free of charge.

But just under half of the free checking accounts are unconditionally available. For 38 current accounts, certain conditions must be met. These include, for example, minimum cash receipts or no interest income.

According to the current account test online customers have the better choice. Because most of the free accounts are online offers. These completely free offers include, for example, current accounts from Comdirekt Bank, ING-DiBa, DAB Bank or Targobank. For retail customers, however, the offer for free current accounts according to Stiftung Warentest is much less diverse.

Determining a real checking account for test winners is difficult because of the different requirements for such an account. The different conditions for a free checking account make a direct comparison difficult. Since it depends entirely on the personal needs, which requirements a current account must fulfill, waived the financial test on the determination of a test winner. With the help of a checking account comparison computer, however, interested parties have the opportunity to find a checking account that exactly matches the individual requirements.

Stiftung Warentest checks outdated expenses

In addition to the account management costs and the credit interest, the amount of the discretionary interest is also crucial when selecting the right current account. A current account test of the Stiftung Warentest from August 2015 makes it clear that some vendors really rip off their customers with excessive overdraft rates.

If owners of a current account slip into the minus, the Dispozins is therefore up to 16 percent. This negative peak was determined by the current account test at Raiffeisenbank Trostberg-Traunreut. On the other hand, the disbursement rates of the more than 1,400 providers surveyed are most favorable at Deutsche Skatbank (4.49 percent), PSD Bank RheinNeckarSaar (5.04 percent) and Augsburger Aktienbank (5.05 percent).

Security while online banking

Especially if you use online banking very often, the security of the procedure plays a very important role. After all, you do not want to give any third party access to your money. For this reason, the security of the respective online banking procedure was an important criterion when choosing the right current account. The only partially secure iTan process is hardly ever used, meanwhile almost all banks rely on the highly secure mobileTan, eTan or ChipTan process. therefore, you do not have to worry about the bank’s lack of security when it comes to online banking, and you can focus on price and performance in your selection.

Find the best checking account

Which current account is perfect for your own needs depends, among other things, on how much money is spent each month on the respective account, how often the account holder makes bookings and how high the account balance is on average. To find out which bank or savings bank has the best checking account online or near you, you can use our free and non-binding current account calculator .

Editorial Tip

Compare not only the monthly base price and the account maintenance fees of the checking accounts, but also check, for example, which providers offer you a free credit card. Especially with free current accounts, make sure that access to the account is possible at any time.

Current account test: Compare now

Enter your wishes quickly and conveniently in the current account rate calculator and find out in just a few steps, which is your personal checking account test winner. You can easily compare the prices and services of individual offers, which may be suitable for you, and thus quickly recognize the advantages or disadvantages of checking accounts. Our calculator is free and without obligation.



Berlin – A test of the Stiftung Warentest shows that repair services for mobile phones are often not worth their money. Many work carelessly and slowly. If in doubt, consumers should therefore also consider a new purchase.

Picture: Man on the phone 

Cell phone repair services are often negligent, do not fix all the damage, make hefty bills and sometimes leave the customer waiting for weeks. This results from a comparison of the Stiftung Warentest, which has given 27 used smartphones with a display damage and a broken headphone jack at six manufacturer-owned and three independent online services in repair (“test” issue 4/15). Each provider received three devices.

Expensive prices, but no original parts

Only two manufacturers repaired all the damage, and no independent service provider worked well in the opinion of the Stiftung Warentest, although their prices were sometimes higher than those of the manufacturers. Overall, the headphone jacks were often simply broken, although the testers had pointed out the damage.

An independent service provider did not even repair the headphone jack on two phones, but even figured out that the jack was still broken in one device. Another service quickly replaced a working battery. Despite the often high prices, the free providers did not always install original parts. According to the experts, some high repair prices can also be explained by the use of modules. They are more expensive than parts, but can be changed easily.

Not always economical, long waiting times

Economically, some repairs were not in the test, if one puts the repair costs in relation to the new model of the same model at the time of the damage. According to the experts, it can often be sensible to simply make a new purchase: In the test, for example, one provider oddly asked for a repair of almost 170 euros more than would have cost the same mobile phone model at the time of the damage.

Apple (“good” with the grade 2.0) fixed in comparison all the best damages, because the manufacturer does not repair, but exchanges directly for an equivalent, refurbished device. Also Huawei (“Satisfying” with the grade 2.6) fixed all errors flawlessly, but allowed himself an average of 16 working days time. For another manufacturer, the testers had to wait an average of 25 working days. Apple was the fastest with an average of 3 working days.

If you want to have your manufacturer repaired, you should first call the hotline and have the 15-digit identification number (IMEI) of the mobile phone at hand, advise the testers. It will appear in the display when typing * # 06 #.

Careless handling of private data

Negative was in the test also on the fact that personal data from the repairers are often deleted without warning without warning: Therefore, it is therefore before the delivery of the repair, personal data such as address, pictures, videos or SMS secure.

From the display exchange in own direction to Internet instructions, the experts advise technical laymen without a specialist from the hand. But a visit to self-help workshops (Repair Cafés), where sometimes competent Handybastler offer help free of charge.

Conclusion: new purchase can be cheaper

The test conclusion: Better be careful and use a good protective cover than having a look around with repair services. And: If in doubt, consider a new purchase.

Tips Support You The Company Owner Produce A Contingency Plan

Why are credit card companies making a lot more debt settlement deals? You need to know whether or not you can get a settlement or more. Ensure that you are fulfilling all the necessary conditions. For instance, the first one is that you just need to have a minimum debt associated with ten thousand US bucks. If you don’t then you don’t meet the criteria.

Building a successful business in the online world is not very different than building a brick and mortar business. It requires knowledge and skill set that fits the career.

Investors seeking to invest in the country are repelled with a country where people buy counterfeits knowing full well its outsourcing economic impact. So, your country loses a vast employment occasion.

Advertise. Promote product awareness by advertising your professional coaching services both in the online and offline stadium. You can run your ads on TV, radio, newspapers, and magazines that tend to be very being read by your prospects. Are usually are device outsourcing statistics, you can go ahead and advertise online. Use PPC ads, search engine marketing, banner ads, and content-based marketing solutions.

How does the $1.9 billion spent by sportsmen in Ohio break straight? In 2006, fishing in Ohio earned $1.08 billion and placed Ohio 13th in place. Hunting during this year in Ohio brought in $859 million and placed Ohio 8th in America. The combination dollars spent by both anglers and hunters placed Ohio 9th previously nation.

Meanwhile, is there possibly is little money to be made in spite of all of the challenges? Yes, there is always. But it won’t happen on autopilot, go for walks. Won’t happen without investing some serious work, for you to arrive at the best investment decisions, particularly for your specific situation. The required is a non-emotional plan based on carefully designed rules. And if you then work that plan, it’s likely that your money will be safe, and also show some growth even in the volatile store.