Banking Act

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Ku- Banking Act (KWG okwesikhashana) ngumthetho waseJalimane onomgomo wayo inhlangano yemakethe kanye nomthetho wemakethe ohlelweni lwezikweletu.

I-German Banking Mthetho usebenza imisebenzi yezezimali izikhungo nezinhlangano zokuthenga ngesikweletu (bheka. § 1 para. 1 1 S., para. 1a S.1, para. 1b).

Izinhloso eziyinhloko zomthetho webhange yizi:

- ukulondolozwa nokulondeka kokusebenza kwemboni yasebhange
- ukuvikelwa kwezikhungo zemali zezikweleti ngokumelene nokulahlekelwa kwezimali

Ikakhulukazi, ikhombisa e § 6 KWG ukuthi imisebenzi ka BaFin ulawula (BaFin). Ngakho BaFin uye ngokuvumelana § 6 para. 1 ngoba okuthiwa ukugadwa zezikhungo, okungukuthi ukuzivocavoca engamele imisebenzi yezezimali nezinhlangano zokuthenga ngesikweletu kanye nezinye luhlaka, ngokuvamile esidabukisayo isimo kokuqondisa e Finanzleistungs- futhi credit ukusebenza efanele zokukhokhelwa yasebhange noma amasevisi sezimali futhi ngaleyo ndlela kuvimbele ukutholakala kwezimo ezibucayi zomnotho wonke.
Nokho, lolu hlobo kokuqondisa Kwenziwa nje ukuvikela umthengi ngamunye noma ababoleki ababoleke, kodwa kuvikela wonke abakweletwayo generality yabo kanye ukuthembela kwabantu kule ukusebenza imisebenzi yezezimali nezinhlangano zokuthenga ngesikweletu. Umthetho weBhange wamukelwa njengendlela yokusabela enkingeni yasebhange ye-1934 eJalimane futhi yaqala ukusebenza ngonyaka owodwa kamuva ngendlela yawo yokuqala.

Umthetho weBhange kanye nemithethonqubo eyengeziwe ibeka imikhawulo engavinjelwe ezikhungweni zemali, okwenza ukuba amabhange angene izingozi ezithile. Le mithetho ingahlukaniswa ngesisekelo sohlobo oluyingozi:

Ingozi okuzenzakalelayo:
- § 10 KWG; Ukubhekisisa izingozi zokungafani komunye nomunye ngezimali zakhe (Solvency Regulation)
- §§ 13, 14 KWG; Izikweleti ezinkulu kanye nezigidi zezikweletu

Ingozi yemakethe:
- § 10 KWG; Izingozi ezincane zezimakethe zeMakethe ezineziKhwama Zakhe (Solvency Regulation)

Zezimali ingozi:
- § 11 KWG (echazwe yiMithethonqubo yeMali)

Ingozi yokusebenza:
- § 10 KWG; Izingozi zomsebenzi ngokusebenzisa izimali zawo (Solvency Regulation)
- § 13 para. 2 KWG; ukuchayeka enkulu
-§§ 15, 17 KWG; isitho credit
-§ 18 KWG; Ukuhlolwa kwezimo zezomnotho
-§ 25a KWG; Imisebenzi yenhlangano (ukuvimbela imali ngokwemali, §§ 25b kuya ku-25i KWG)
-MaRisk njengokwenziwa kwe-§ 25a KWG
-§ 32 para. 1 KWG; imvume

Risk Information:
- § 23 KWG; ukukhangisa ukuvinjelwa
- §23 i-KWG; idiphozi isiqinisekiso
-§§ 39, 40 KWG; Imiklamo ye-Sparkasse, ibhange, ibhange, i-Volksbank

imithetho

Umthetho weBhange unikeza isisekelo esingokomthetho lapho i-Bundesbank neBaFin ingathola khona ulwazi kusuka ebhange futhi inethonya eliqondile kumaziko esikweletu.
Ngaphansi koMthetho wezokuPhatha, izibopho zokubika ezikhungo eziqondisiwe zithathwe:

Isibopho esijwayelekile sokunikeza ulwazi:
- § 44 KWG
Ulwazi kanye nokuhlolwa kwezikhungo: Lapha, amabhange anesibopho esijwayelekile sokunikeza ulwazi mayelana nazo zonke izindaba zebhizinisi, ngisho nangaphandle kwesizathu esikhethekile.

Ulwazi nge-solvency
- § 10 KWG ngokubambisana ne-Odinensi yeSolvency: Leli phepha libhekisela ekunikezeni okufanele izimali zazo zonke izikhungo zezikweletu. Lapha, inkomba yenyanga yenyanga idalwe. Kubalulekile futhi ukubuyekezwa nokwamukela izindlela zebhange.

Ulwazi mayelana nokwehliswa kwemali

§ 11 KWG ngokubambisana nomthethonqubo wokuthengiswa kwemali: isikhundla sokukhipha imali esikhungweni sezikweletu sikholwa ukulungiswa kwenani lezinkampani zenyanga.

ukuvezwa enkulu

- §§ 13, 13a, 13b KWG: Ukuboleka okukhulu: Amabhange adingeka ukuthi abike izikweletu zabo ezinkulu njalo ngekota. Isikhathi sokubika sokubeka isikweletu esikhulu singadluliswa kuphela ngemvume ye-BaFin. Inani elidlula ukuphakama kwekhredithi elikhulu kufanele libe ngaphansi kwezimali ezengeziwe. Izinhlinzeko ezengeziwe ezikweletini ezinkulu zilawulwa yi-Large Loans Ordinance Ordinance (GroMiKV).

Ama-akhawunti kanye nonyaka

- § 25 KWG: Izibalo zamabhalansi zenyanga (izinkokhelo zenyanga) kuDeutsche Bundesbank zizosetshenziswa yiBaFin.

- § 26 KWG: Ukushicilelwa kwezitatimende zezimali, imibiko yokucwaningwa kwamabhuku kanye nemibiko yokuphatha

Izixhumanisi ezihlobene:

Awekho amavoti okwamanje.
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