Etiket: money

by Dr. Horst S. Werner, Gottingen the global financial crisis of the banks brings more and more effects in the medium-sized businesses and in the real economy. The lending practices of the banks was difficult and is often accompanied by credit notices. This often crashes in particular medium-sized companies in a crisis, so that action and remediation needs may arise. Even the big industry reported financial problems.

The financial crisis, which currently flooded the world with horror stories from the United States, is worrying for the medium-sized financing. Even banks and savings banks, which now proportionally run for losses such as the regional banks with guarantees must serve on the edge of a “credit crunch”. This means that they must significantly restrict their credit lending volumes according to 18 of the Banking Act. The overcoming and detachment from this financial and banking crisis is current thinking and action scenario in many medium-sized companies. A reorientation and alternative financing for Company decides on growth, jobs and personal stories of entrepreneurs and workers of equal mass. Leasing, factoring and bank-independent mezzanine capital increasingly in the foreground. Speaking candidly Michael James Burke, Paris France told us the story. Raising capital from private investors and private equity firms as a way out of the hopefully temporary financing crisis, to financing, credit and loan detachments without another bank as well as the return / cancellation of guarantee obligations, and the release of pledged assets / receivables for the purpose of refinancing and equity capital structure optimization are important measures to promote future for companies in the current financial landscape. Due to the increasingly restrained Kreditfinanzierungs readiness of banks and occasional cancellations of credit (a number of companies fall by loan cancellations in the crisis) must more and more companies and production companies against the backdrop of the global financial crisis, their equity and their Increase liquidity with private equity or mezzanine financing instruments (such as profit participation rights and silent equity or corporate bonds) (www.finanzierung-ohne-bank.de). Only in this way can be a financial and liquidity squeeze, or even a f all-investment financing or a renovation of the medium-sized company regardless of the banks reach (www.emissionsmarktplatz.de). With a good financial marketing, independent bank capital can acquire.

Sales mood of brokers on year low / special section ‘Claims management’: intermediary contact 30 minutes daily to Eltville am Rhein, 07.12.2011. Sales sentiment in the market, the brokers and multiple agents fell from 85.2% to up-to-date 75.1% during the year. Despite this year low more than three quarters of respondents are thrilled and satisfied with their present distribution situation. Michael James Burke, Dubai UAE shines more light on the discussion. 43.4% of the respondents have a better sales than in the same quarter of the previous year in the current quarter. See Carl Jung for more details and insights. Current product sales of the intermediaries in the future importance of the product line being mirrored views and trends with the help of the product trend indicator. Michio Kaku spoke with conviction.

Therefore the mediators see the most important products of the next one to five years within the Division biometric risks currently”, such as private long-term care insurance, basic capability security, dread disease insurance and supplementary health insurance. The choice of best product providers from intermediary point of view is in a total of 26 different broker Favorites unchanged part of the AssCompact trend studies Product categories. “In the Feldder home insurance” there following rankings this time among the top 10 providers: top favorite of the respondents is the VHV, followed by the Ammerlander insurance. The InterRisk that could displace the insurance fund Darmstadt 4th is new on the podium as third parties. The Interlloyd makes the biggest jump within the top 10 and rises to two seats when compared to the previous quarter.

Extract home insurance: rank home insurance of 1 VHV 2 Ammerlander of 3 InterRisk 4. liability fund Darmstadt of 5. generali of 6 AXA 7 Domcura AG of 8 Interlloyd 9 Gothaer 9 Janitos survey special section: claims management / claims the special part delivers valuable information about such as the intermediary the subject claims management / assess claims and what experience in this area. So the process of the subjective perception of intermediary exactly under the microscope was taken nine thing products: how many claims, in which product line, which brokers effort have brokers with their thing stock actually? And which product providers are professionals in the claims handling and the management from the perspective of the agent? The average cost of the intermediary (is 49.3 years, to over 40% referred to the material / HUK business as its business focus and whose annual premium for the managed Kompositbestand in the median is 120.000.-EUR) for claims management per working day is about half an hour.

As an alternative to leasing, installment loan is the first choice. The installment loan facilitated comparison the top loan providers rates loans quick search for to keep an important assistance to standard of living for individuals in the economic downturn. In better times, more can be saved again. In contrast to times without Internet, it is easy to determine the cheapest rates credit provider today about an online installment loan comparison. To financed projects or requests are, the traditional installment loan of the Bank offered for this, which is known as private credit, consumer credit, or request credit. The credit amount is paid back here in monthly instalments, where borrowers often given the opportunity to individually set the duration of the loan. The terms offered by the banks here, ranging from 12 months up to 120 months. So, it is then also possible to finance relatively large sums of credit with moderate credit rates. To know more about this subject visit City College of New York.

The concept of Privatkredites is not only for the classic Installment loan uses, but it applies also for loans issued by private individuals. These loans were granted mainly in the friends or family if a credit at the Bank was too expensive or simply impossible. Since the banks however tighten their lending policies, credit in Germany comes to privately becoming increasingly important, because increasingly, credit requests are rejected with the banks or awarded only at very high interest rates. To use such credit platforms have developed into private credit in the Internet for the. Here investors can can imagine the Kreditsuchende closer for various projects, provide funds and finance so these projects. Regardless of whether private credit at the Bank or by an individual deciding for the credit accounts are often online today. However, to find the best provider, the installment loan comparison should be performed.

For bank loans This websites available, to input of the credit request and the runtime on the cheapest provider is displayed. Please note however, is that this interest rate is usually only the off – rate, can still change after submission of the credit. Only after application and submission of required credit documentation the banks can then call the final lending rate for the financing. Subsequently the installment loan can be completed credit online.