Using Money: 20 years institute for financial services

Prof. Dr. Udo Reifner

doi:10.5771/9783845204529

Summary

Geld haben ist der Weg zu Reichtum und Glück – so jedenfalls suggeriert es die moderne Geldgesellschaft. Das Institut für Finanzdienstleistungen e.V. (IFF) forscht und agiert dagegen seit nunmehr 20 Jahren unter der Gegenthese, dass Geld allenfalls ein zudem gefährliches Mittel ist, um Reichtum zu verwalten. Damit es unserer modernen Gesellschaft gelingt, dieses Mittel sinnvoll einzusetzen, Kapital und Arbeit dorthin zu bringen, wo es für alle und nachhaltig nützlich wirkt, dafür ist Forschung und Entwicklung, Öffentlichkeit und Recht erforderlich. Banken können über ihre Finanzdienstleistungen Egoismus und Geldgier oder mehr Kooperation, Verantwortung und Ausgleich in der Gesellschaft fördern, wenn die Gesellschaft sie dahin drängt.

"Geld verantwortlich nutzen" – dafür stehen die jährlichen Themenbriefe des iff, die zwischen Wettbewerb und Konkurrenz unterscheiden, eine Kreditwürdigkeit der Kreditgeber anregen, Bankensicherheit auch als Sicherheit vor Banken verstehen und damit für jeden, der in dieser Branche arbeitet oder mit ihr zu tun hat, eine Quelle zur Anregung und zum Nachdenken sein will.

Zugleich werden damit 20 Jahre Institutsarbeit im Interesse der Verbraucher und der Allgemeinheit dokumentiert und damit ein kleines Geschichtsbuch der Skandale und Erfolge in der Geldwirtschaft in Deutschland und Europa vorgelegt, das den Weg vom Sparen, über die Anlage und Spekulation hin zur modernen Kreditgesellschaft mit ihrem Problem der Überschuldung aufzeigt.

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Bibliographic data

Edition: 1/2007
Copyright Year: 2007
ISBN-Print: 978-3-8329-3086-8
ISBN-Online: 978-3-8452-0452-9
Publisher: Nomos, Baden-Baden
Series: Schriften des Instituts für Finanzdienstleistungen e.V.
Volume: 13
Language: English
Pages: 146
Product Type: Monograph

Titelei/Inhaltsverzeichnis No access Pages 2 - 10
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1. Introduction No access Pages 11 - 15
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2. 1. Usury and Bribery No access Pages 15 - 18
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  2. Ethics No access Pages 18 - 19
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  3. The Strain between “Money and Spirit” No access Pages 19 - 19
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  4. The “Charity” No access Pages 19 - 20
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  5. Self-Interest and Public Interest No access Pages 20 - 21
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  6. The Ethical Personality and Actions No access Pages 21 - 23
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  7. “Internal Ethics” – “External Ethics” No access Pages 23 - 27
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3. 1. Differentiation and Exclusion No access Pages 27 - 28
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  2. Using Money rather than Having it No access Pages 28 - 32
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  3. Banks only manage the Money for Others No access Pages 32 - 33
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  4. Trust is Good for the Economy No access Pages 33 - 35
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  5. “Creditworthy Lenders” No access Pages 35 - 38
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4. 1. Charity – “Love Thy Neighbour” No access Pages 38 - 39
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  2. Competition and Responsibility No access Pages 39 - 40
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  3. Market and Justice No access Pages 40 - 41
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  4. Re-feudalisation of the Economy No access Pages 41 - 42
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  5. Money as a Means for Communications No access Pages 42 - 43
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  6. Banker’s Characters No access Pages 43 - 44
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  7. Jurisprudence and Morals No access Pages 44 - 45
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  8. Against Social Discrimination No access Pages 45 - 46
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  9. Berlemont: The 26<sup>th</sup> state of the EU? No access Pages 46 - 47
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  10. Usury: Thresholds and Prohibition No access Pages 47 - 49
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5. 1. Money as a Security No access Pages 49 - 59
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  2. Facilitating Self-determined and Effective Consumption No access Pages 59 - 61
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6. 1. The Different Facets of the Truth No access Pages 61 - 63
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  2. Legitimacy of Interests No access Pages 63 - 63
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  3. Truth as a Source of Legitimacy No access Pages 63 - 65
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  4. Money as Virtual Information No access Pages 65 - 66
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  5. Inappropriate Products asits Advantages for it Suppliers No access Pages 66 - 67
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7. 1. Competing for Something instead of against Somebody No access Pages 67 - 69
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  2. Social responsibility No access Pages 69 - 69
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  3. The Social policy of the Financial Sector No access Pages 69 - 70
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  4. Social Finance No access Pages 70 - 70
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  5. Discrimination of Asocial Conduct creates Social Behaviour No access Pages 70 - 71
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  6. European Cooperation No access Pages 71 - 71
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  7. The Market as Focus No access Pages 71 - 72
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8. 1. No Capital – no Demand No access Pages 72 - 75
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  2. Ghetto Economy in the US No access Pages 75 - 78
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  3. Financial Services and Poverty No access Pages 78 - 78
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9. 1. Reconcilng Egoism wth Solidarity No access Pages 78 - 80
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  2. Social Audit of the Market Economy No access Pages 80 - 80
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  3. Securing the Fruits of Sustainable Banking No access Pages 80 - 82
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  1. Financial exclusion in Modern Societies No access
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11. 1. “Perfection of Life or of Work?” No access Pages 90 - 91
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  2. Armatya Sen and the American Economy No access Pages 91 - 92
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  3. The Customer’s faith No access Pages 92 - 93
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12. 1. More Power to the Banks No access Pages 93 - 95
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  2. Confronting Fatalism No access Pages 95 - 98
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13. 1. A unified Market No access Pages 98 - 99
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  2. Money is a Scarce Good. No access Pages 99 - 100
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  3. The Euro makes Liberalisation Visible No access Pages 100 - 100
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  4. A World Network of Euro-Dollar-Yen No access Pages 100 - 101
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  5. Who is in Charge of the Capital Markets? No access Pages 101 - 101
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  6. Money is an Irrigation System No access Pages 101 - 102
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  7. Profit is the Power Engine of the Economy No access Pages 102 - 104
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  8. The Euro will Catalyse No access Pages 104 - 105
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  9. How far can the State correct Deficiencies of the Market? No access Pages 105 - 106
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  10. Self-help through Market Forces? No access Pages 106 - 106
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  11. The Political Agenda No access Pages 106 - 107
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  12. Second Best No access Pages 107 - 108
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  13. Low-Income Banking No access Pages 108 - 108
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  14. The public aspect in private economy No access Pages 108 - 109
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  15. Encapsulated Bank Business No access Pages 109 - 111
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14. 1995 – Rationalisation and Supply No access Pages 111 - 112
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1. 1. “Community Responsibility in Financial Services” No access Pages 113 - 115
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  2. International Challenge No access Pages 115 - 117
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2. 1. Debt and Credit Advice No access Pages 117 - 118
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  2. Expansion of the FIS-Database No access Pages 118 - 119
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  3. Göteborg conference: “Access to Financial Services” No access Pages 119 - 120
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3. 1. Social Investment and Small Business Financing No access Pages 120 - 121
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  2. Iff Publications No access Pages 121 - 122
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4. 1. Public Interest Organisations No access Pages 122 - 124
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  2. A Socially Responsible Proposition: “Micro-lending” and Adjusted Financial Products No access Pages 124 - 125
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  3. Media and a Critical Public No access Pages 125 - 125
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  4. The State and the Law: Payment and Bankruptcy Law No access Pages 125 - 125
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  1. Final Quality Testing for the Economy No access
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6. 1. Group-Orientation of Bank Outlets, Financial Literacy, Pensions and Start-ups No access Pages 127 - 129
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  2. Time-Management at iff No access Pages 129 - 130
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  3. iff as Organisational Concept No access Pages 130 - 130
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7. 1. Successfully completed Projects No access Pages 130 - 131
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  2. Financial Literacy and Prevention of Over-Indebtedness No access Pages 131 - 133
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  3. Has Consumer Protection in Financial Services failed in the EU? No access Pages 133 - 134
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  4. iff as a Small Business with Big Radiation – Some Figures No access Pages 134 - 135
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8. 1. Fewer EU Tenders – Many Project Applications No access Pages 135 - 136
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  2. “Consumers and the Law“ No access Pages 136 - 137
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  3. Our Services No access Pages 137 - 138
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9. 1. A Year of Auditors and Authorities No access Pages 138 - 139
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  2. The Private Sector as a New Research Partner No access Pages 139 - 140
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10. 1. International Coalition Building No access Pages 140 - 141
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  2. More Openness in the Banking Sector No access Pages 141 - 141
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  3. “Export Finance for Engineers“ No access Pages 141 - 142
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  4. Outlook for the year 2007 No access Pages 142 - 142
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  5. Cooperation with the University of Hamburg No access Pages 142 - 143
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1. English Publications (only books) No access Pages 144 - 144
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2. Expertises and Projects No access
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3. Current International Projects 2007 No access Pages 146 - 146
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4. Principals (International Organisations) No access Pages 146 - 146
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