Konferenz Reader Hamburg 2./3. Juli 2010 Handelskammer zu Hamburg Internationale Konferenz zu Finanzdienstleistungen, Hamburg im Juli 2010 __ 1 Inhalt Die Themen .......................................................................................................... 4 Prinzipien zum verantwortlichen Kredit..................................................................... 4 Programm ............................................................................................................ 6 Grußwort.............................................................................................................. 9 Dr. Karl-Joachim Dreyer, Finanzplatz Hamburg e.V ............................................. 9 Abstracts (mit Protokollen) ....................................................................................11 Plenum 1: Banken in Deutschland – Hat sich im Retailgeschäft etwas verändert? .....11 Edda Castelló, Verbraucherzentrale Hamburg e.V..............................................11 Dr. Michael Meyer, Postbank ...........................................................................12 Theophil Graband, TeamBank .........................................................................13 Michael Weinhold, AG SBV .............................................................................14 Protokoll......................................................................................................15 Plenum 2: Banking in Other Countries - Current national problems and solutions .....17 Prof. Luisa Antoniolli, Italy .............................................................................17 Damon Gibbons, United Kingdom ...................................................................17 Paul Joyce, Ireland........................................................................................18 Michaela Moser, Austria .................................................................................20 Melina J. Mouzouraki, Greece .........................................................................20 Saya Oyama, Japan ......................................................................................22 Maria Cristina Portugal, Portugal.....................................................................23 John Taylor, NCRC (USA) ...............................................................................24 Marcel Warnaar, The Netherlands....................................................................28 Protokoll......................................................................................................29 F 3.1: Corporate Social Responsibility – How could CSR reporting best reflect responsible lending issues? ......................................................................30 Sonja Willems, Banktrack ..............................................................................30 Angela Tanno, ABI ........................................................................................30 Protokoll......................................................................................................30 F 3.2: Erste Erfahrungen mit der Verbraucherkreditrichtlinie – Umsetzung, Kosten, Verbrauchernutzen ..................................................................................33 Eva Raabe, Verbraucherzentrale Hessen ..........................................................33 Frank Kirchner, Targobank .............................................................................34 Dr. Andrew J. Zeller, Teambank.......................................................................34 Protokoll......................................................................................................35 F 3.3: Effiziente außergerichtliche Einigung: Umschuldung, Inkasso, Vergleiche .......38 Dr. Werner Sanio, SFZ-Mainz/BAG-SB .............................................................38 Hans Ludwig Körner, BDIU .............................................................................39 Protokoll......................................................................................................40 F 3.4: Der Bankberater – Zwischen Verkaufsdruck, Beratungsqualität und Compliance ............................................................................................42 Thomas Bieler, ING-DiBa ...............................................................................42 Dr. Günter Birnbaum, BaFin/Frankfurt .............................................................42 Berthold Bose, ver.di-Landesbezirk Hamburg....................................................43 iff, Rödingsmarkt 31-33, D-20459 Hamburg, Tel. + 49 40 3096910, Fax + 49 40 30969122 www.verantwortliche-kreditvergabe.net 2 Internationale Konferenz zu Finanzdienstleistungen, Hamburg im Juli 2010 Niels Nauhauser, VZ BaWü.............................................................................44 Jan W. Wagner, CreditPlus Bank AG.................................................................45 Protokoll......................................................................................................46 F 4.1: Are we Financially Illiterate? – Evaluation of knowledge and capabilities? .......49 Dr. Dirk Loerwald, Univ. Kiel...........................................................................49 Gerjoke Wilmink, Nibud.................................................................................50 Saul Schwartz, School of Public Policy and Administration ..................................51 Protokoll......................................................................................................52 F 4.2: Europäisches Vertragsgesetzbuch für Arbeitnehmer, Kreditnehmer und Mieter....................................................................................................54 Prof. Nick Huls, Erasmus-Univ. Rotterdam ........................................................54 Prof. Udo Reifner, Univ. Hamburg, iff ...............................................................69 Protokoll......................................................................................................69 F 4.3: Datenschutz und Kredit (BDSG-Novelle) – Scoring, Auskunft, Adresshandel ...72 Meike Kamp, Berliner Beauftragte für Datenschutz............................................72 Nikolaus von der Decken, Creditreform............................................................73 Protokoll......................................................................................................74 F 4.4: „Parallelmärkte“ zum Bankkredit für Überschuldete .....................................75 Christina Beck, VZBV ....................................................................................75 Tim Sommer, IHV e.V. Wilhelmshaven .............................................................75 Protokoll......................................................................................................76 F 5.1: Bankruptcy Laws for the Insolvent Consumer – Changes and new legislation in the EU................................................................................................79 Prof. Nick Huls, Erasmus-Univ.........................................................................79 Johanna Niemi, Finnland................................................................................79 Prof. Iain Ramsay, Univ. Kent .........................................................................79 Protokoll......................................................................................................80 F 5.2: Beipackzettel, Finanz-Ampeln, Dokumentationspflichten – Neueste Entwicklungen und Beispiele.....................................................................81 Thomas Bieler, ING Diba................................................................................81 Erol Cen, Targobank......................................................................................81 Dorothea Mohn, VZBV ...................................................................................82 Niels Nauhauser, VZ BaWü.............................................................................84 Dr. Achim Tiffe, iff.........................................................................................84 Protokoll......................................................................................................85 F 5.3: Reference Budgets in anderen Ländern – Umsetzung, Nutzen und Risiken ......88 Dr. Werner Sanio, SFZ-Mainz/BAG-SB .............................................................88 Marcel Warnaar, Nibud...................................................................................89 Protokoll......................................................................................................92 F 5.4: Bildungsfinanzierung – Chancen und Risiken für Deutschland .......................94 Cathrin Bröcker, Studierendenwerk Hamburg ...................................................94 Dr. Marco Vietor, Geschäftsführer Brain Capital GmbH .......................................95 Roland Vogelmann, BSK Schwäbisch Hall .........................................................96 Protokoll......................................................................................................97 iff, Rödingsmarkt 31-33, D-20459 Hamburg, Tel. + 49 40 3096910, Fax + 49 40 30969122 www.verantwortliche-kreditvergabe.net Internationale Konferenz zu Finanzdienstleistungen, Hamburg im Juli 2010 __ 3 Plenum 6: Information-Overload at the Point of Sale - How much information can a consumer take in?...........................................................................99