tag:blogger.com,1999:blog-18677575429725487442024-02-20T15:06:58.137+01:00Corporate Finance Beratung Main-Neckar-CapitalGroupCorporate Finance Beratung mit 3 Senior Advisor und Übernahme von Beiratsmandaten bei unseren Zielgruppen.Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.comBlogger20125tag:blogger.com,1999:blog-1867757542972548744.post-18116487784579347012017-05-06T19:43:00.000+02:002017-05-08T07:18:30.900+02:00Oskar-Patzelt-Stiftung, Servicestelle Frankfurt am Main<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
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<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
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<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
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Name="List Table 6 Colorful Accent 3"/>
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Name="List Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Mention"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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</w:LatentStyles>
</xml><![endif]-->
<!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Normale Tabelle";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
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<span style="color: blue; font-family: "verdana"; font-size: 11.0pt; font-weight: normal;">GROSSER PREIS DES MITTELSTANDES</span></h1>
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<span style="color: blue; font-family: "verdana"; font-size: 10pt; font-weight: normal;">Oskar-Patzelt-Stiftung</span></h1>
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<span style="color: blue; font-family: "verdana"; font-size: 10.0pt;">- Vorstandssprecher -<o:p></o:p></span></div>
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<span style="font-family: "verdana";"> </span><b><span style="font-family: "verdana"; mso-bidi-font-family: Arial;"> <o:p></o:p></span></b></div>
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<b><span style="color: red; font-family: "verdana"; font-size: 20.0pt;">PRESSEMITTEILUNG</span></b><b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;"> <o:p></o:p></span></b></div>
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<b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;"> <o:p></o:p></span></b></div>
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<span style="font-family: "verdana"; font-size: 10pt;">
Berlin, 28.04.2017</span><br />
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<span style="text-align: right;"><span style="font-family: "verdana"; font-size: x-small;"> </span><span style="font-family: "verdana"; font-size: 14pt; font-weight: bold;">Nr. 4/17</span></span></div>
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<u><span style="font-family: "verdana"; font-size: 11.0pt;"> </span></u></h1>
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<span style="font-family: "verdana"; font-size: 11.0pt;">„Großer Preis des
Mittelstandes 2017“</span></h1>
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<span style="color: blue; font-family: "verdana"; font-size: 16.0pt;">Bedeutendster
deutscher Wirtschaftswettbewerb <o:p></o:p></span></div>
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<span style="color: blue; font-family: "verdana"; font-size: 16.0pt;">ist auf der
Zielgeraden<o:p></o:p></span></div>
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<ul style="margin-top: 0cm;" type="disc">
<li class="MsoNormal"><b><span style="font-family: "verdana"; font-size: 10.0pt;">Halbzeit: Bundesweit
stehen</span></b><b><span style="font-family: "verdana"; font-size: 10.0pt;"> </span></b><b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;">839</span></b><b><span style="font-family: "verdana"; font-size: 10.0pt;">
Unternehmen vor der letzten Wettbewerbshürde<o:p></o:p></span></b></li>
<li class="MsoNormal"><b><span style="font-family: "verdana"; font-size: 10.0pt;">Zwölf Regionaljurys
entscheiden in diesen Tagen über „Finalisten“, „Preisträger“ und
„Sonderpreisträger“<o:p></o:p></span></b></li>
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<span style="font-family: "verdana"; font-size: 10.0pt; font-weight: normal;">Für den 23.
Wettbewerb um den </span><i><span style="font-family: "verdana"; font-size: 10.0pt;">"Großen Preis des
Mittelstandes 2017"</span></i><span style="font-family: "verdana"; font-size: 10.0pt; font-weight: normal;"> wurden in den 16
Bundesländern insgesamt </span><span style="color: red; font-family: "verdana"; font-size: 10.0pt;">4.923</span><span style="font-family: "verdana"; font-size: 10.0pt; font-weight: normal;"> </span><i><span style="font-family: "verdana"; font-size: 10.0pt;">kleine und mittelständische Unternehmen</span></i><span style="font-family: "verdana"; font-size: 10.0pt; font-weight: normal;"> von mehr als 1.400 Kommunen, Institutionen, Kammern, Verbänden, Unternehmen
und Einzelpersonen nominiert.<o:p></o:p></span></h3>
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<span style="font-family: "verdana"; font-size: 8.0pt; font-weight: normal;"> </span></h3>
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<span style="font-family: "verdana"; font-size: 10.0pt; font-weight: normal;">Kein anderer
Wirtschaftswettbewerb in Deutschland erreicht eine solch große und nun schon
über mehrere Jahre anhaltende Resonanz wie der von der Leipziger
Oskar-Patzelt-Stiftung seit 1994 ausgelobte „Große Preis des Mittelstandes“. <o:p></o:p></span></h3>
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<span style="font-family: "verdana"; font-size: 10.0pt; font-weight: normal;">Der Preis ist
nicht dotiert. Es geht für die Unternehmen einzig und allein um Ehre,
öffentliche Anerkennung und Bestätigung ihrer Leistungen, ohne finanzielle
Anreize.<o:p></o:p></span></h3>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Nach <i>Einsendeschluss</i>
der unternehmensspezifischen Juryunterlagen bis <u>15. April 2017</u> und einem
folgenden Grobcheck der Unternehmensangaben, haben in diesem Jahr bundesweit <b><span style="color: red;">839</span><i> Unternehmen</i> </b>(2016: 695)<b> </b>die<b> </b>vorletzte Wettbewerbsstufe -<b>
</b>die sog.<b> <i>„Juryliste“ -</i></b> erreicht. Die Wettbewerbsregionen <b><span style="color: red;">Bayern und
Baden-Württemberg</span></b> haben daran
besonderen Anteil. </span><span style="font-family: "verdana"; font-size: 8.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Unter den Firmen sind sowohl Newcomer- die erst in
den letzten fünf Jahren gegründet wurden - als auch über 150jährige Familienunternehmen,
die bereits zahlreiche Krisen, Währungsreformen und sogar Kriege überstanden
haben.</span><span style="font-family: "verdana";"><o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Und so
verteilen sich die <b><span style="color: red;">839</span><i> Unternehmen</i></b>
der „<b><i>Juryliste“</i></b>
auf die zwölf Wettbewerbsregionen: <o:p></o:p></span></div>
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<b><span style="font-family: "verdana"; font-size: 10.0pt;">Region/Bundesland Anzahl der Unternehmen<o:p></o:p></span></b></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Jahr<b> </b>2016 <b>2017</b><o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">_______________________________________________<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Baden-Württemberg 82 129<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Bayern 181 204<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Berlin/Brandenburg 37 48</span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;"><b>Hessen 33
57</b><o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;"><br /></span>
<span style="font-family: "verdana"; font-size: 10.0pt;">Mecklenburg-Vorpommern 26 22<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Niedersachsen/Bremen 44 49<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Nordrhein-Westfalen 64 93<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Rheinland-Pfalz/Saarland 58 82<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Sachsen 67
69<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Sachsen-Anhalt 39
38<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Schleswig-Holstein/Hamburg 21 24<o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Thüringen 33
24<o:p></o:p></span></div>
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<b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;">123</span></b><b><span style="font-family: "verdana"; font-size: 10.0pt;"> </span></b><span style="font-family: "verdana"; font-size: 10.0pt;">(2016: 103)
<b><i>Unternehmen</i></b>,
die bereits als „Preisträger“ ausgezeichnet wurden, haben die Jurystufe zum <i><u>Sonderpreis „Premier-Finalist“</u> bzw. <u>„Premier“</u></i>
erreicht.<o:p></o:p></span></div>
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<b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;">18</span></b><b><span style="font-family: "verdana"; font-size: 10.0pt;"> </span></b><span style="font-family: "verdana"; font-size: 10.0pt;">(2016:
16)<b> </b>zum <i><u>Sonderpreis „Bank des Jahres“</u></i> nominierte <b><i>Kreditinstitute</i></b>
erreichten die Jurystufe, <b><span style="color: red;">6</span></b> davon zum Sonderpreis „Premier-Bank“. <o:p></o:p></span></div>
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<b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;">27</span></b><b><span style="font-family: "verdana"; font-size: 10.0pt;"> </span></b><span style="font-family: "verdana"; font-size: 10.0pt;">(2016: 27)
zum <i><u>Sonderpreis „Kommune des Jahres“</u></i>
nominierte <b><i>Kommunen</i></b> erreichten die Jurystufe, <b><span style="color: red;">8</span></b> davon zum Sonderpreis
„Premier-Kommune“. <o:p></o:p></span></div>
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<b><span style="color: red; font-family: "verdana"; font-size: 10.0pt;">Vier</span></b><b><span style="font-family: "verdana"; font-size: 10.0pt;"> </span></b><span style="font-family: "verdana"; font-size: 10.0pt;"> Unternehmen wurden zum <i><u>Sonderpreis „Junge Wirtschaft“</u></i> nominiert. <o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Im 23. Wettbewerb um den „Großen Preis des
Mittelstandes“ ist Halbzeit. Bis Ende Juni haben die zwölf Regionaljurys die
Aufgabe, über die Preisträger und Finalisten ihrer Region zu befinden. <o:p></o:p></span></div>
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<br /></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<span style="font-family: "verdana"; font-size: 10.0pt;">Die
ausgewählten Unternehmen werden <u>im September 2017</u> (9. in Dresden; 16. in
Düsseldorf und 30. in Würzburg) im Rahmen von <b>Auszeichnungsgala</b> - dem Höhepunkt und Abschluss des Wettbewerbs in
den 16 Bundesländern - geehrt. Bis dahin bleiben die Ergebnisse „unter
Verschluss“.<o:p></o:p></span></div>
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<br /></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<u><span style="font-family: "verdana"; font-size: 10.0pt;">Höhepunkt
und Abschluss des Wettbewerbs 2017</span></u><span style="font-family: "verdana"; font-size: 10.0pt;"> ist die <u>Bundesgala am 28. Oktober
im Hotel „Maritim“ in Berlin</u>, wo die bundesweiten Sonderpreise für dieses
Jahr vergeben werden.<o:p></o:p></span></div>
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<br /></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<b><span style="font-family: "verdana"; font-size: 10.0pt;">Zur Bewertung der Unternehmen orientieren sich die Juroren nun in den
kommenden Wochen an folgenden fünf Kriterien:<o:p></o:p></span></b></div>
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<br /></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<span style="font-family: "verdana"; font-size: 10.0pt;">1.
Gesamtentwicklung des Unternehmens<br />
2. Schaffung/Sicherung von Arbeits- und
Ausbildungsplätzen<br />
3. Modernisierung und Innovation<br />
4. Engagement in der Region<o:p></o:p></span></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<span style="font-family: "verdana"; font-size: 10.0pt;">5.
Service und Kundennähe, Marketing<br />
<!--[if !supportLineBreakNewLine]--><br />
<!--[endif]--></span><span style="font-family: "verdana"; font-size: 8.0pt;"><o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10.0pt;">Die Auflistung der Firmen - nach Bundesländern/Wettbewerbsregionen
geordnet - die die <i>Juryliste 2017</i>
erreicht haben, kann ab sofort unter <o:p></o:p></span></div>
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<a href="http://www.mittelstandspreis.com/wettbewerb/juryliste">http://www.mittelstandspreis.com/wettbewerb/juryliste</a>
<span style="font-family: "verdana"; font-size: 10.0pt;"> eingesehen werden. <o:p></o:p></span></div>
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<span style="font-family: "verdana"; font-size: 10pt;">Weitere Informationen zum Wettbewerb,
zur Besetzung der Regionaljurys und zur Oskar-Patzelt-Stiftung selbst, finden
Sie unter </span><a href="http://www.mittelstandspreis.com/"><span style="font-family: "verdana"; font-size: 10.0pt;">http://www.mittelstandspreis.com</span></a><u><span style="color: blue; font-family: "verdana"; font-size: 10.0pt;">.</span></u><span style="font-family: "verdana"; font-size: 10pt;"><o:p></o:p></span></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<b><i><span style="font-family: "verdana"; font-size: 9.0pt;">Bernd Schenke<o:p></o:p></span></i></b></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<b><i><span style="font-family: "verdana"; font-size: 9.0pt;">Vorstandssprecher<o:p></o:p></span></i></b></div>
<div class="bodytext" style="margin-bottom: .0001pt; margin: 0cm;">
<span style="font-family: "verdana"; font-size: 9.0pt;">der Oskar-Patzelt-Stiftung</span><span style="font-family: "verdana";"><o:p></o:p></span></div>
<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-39473496328507218552017-04-13T09:33:00.000+02:002017-04-13T09:33:19.491+02:00Christian Wohn zum Head of Sales der Bibby Financial Services ernannt <div class="grid-row">
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Update von unserem Kooperationspartner Bibby Financial Services, Düsseldorf</div>
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<a class="fancybox" href="http://cache.pressmailing.net/content/00edc06b-ad43-4645-b328-92f4692875c1/image?attachment=false.jpg"><img alt="Christian Wohn zum Head of Sales der Bibby Financial Services ernannt " src="https://cache.pressmailing.net/thumbnail/story_big/00edc06b-ad43-4645-b328-92f4692875c1/christian-wohn-zum-head-of-sales-der-bibby-financial-services-ernannt" style="border: 0px; height: auto; margin: 0px; padding: 0px;" /></a></div>
<figcaption style="font-family: inherit; font-size: 15px; font-style: italic; height: 125px; line-height: 18px; margin: 20px 0px 0px 10px; padding: 0px 200px 0px 0px; position: relative;">Christian Wohn, Head of Sales bei Bibby Financial Services / Weiterer Text über ots und www.presseportal.de/nr/70715 / Die Verwendung dieses Bildes ist für redaktionelle Zwecke honorarfrei. Veröffentlichung bitte unter Quellenangabe: "obs/Bibby Financial Services GmbH"<div class="media-action" style="font-size: 13px; line-height: 18px; position: absolute; right: 0px; top: 0px; width: 120px;">
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<i>Düsseldorf (ots)</i> - Christian Wohn (33) wurde mit Wirkung zum 1. März 2017 zum Head of Sales der Bibby Financial Services GmbH, einem der weltweit größten bankenunabhängigen Anbieter von internationalen Factoringlösungen und damit verbundenen Dienstleistungen, ernannt. Zuvor hatte er innerhalb des Unternehmens bereits als Interims-Head of Sales agiert und das Vertriebsteam erfolgreich geleitet. </div>
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Christian Wohn kommentiert: "Ich freue mich auf die neuen Aufgaben und Herausforderungen. Gemeinsam mit meinem Team möchte ich die Marke Bibby Financial Services noch bekannter machen und neue Kunden von unserem Serviceportfolio im Bereich Factoring überzeugen. Mit unseren Kunden wollen wir zielführende und fruchtbare Kooperationen erreichen - zum Mehrwert für alle Beteiligten." </div>
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Christian Wohn absolvierte ein duales Studium bei der Landesbank Rheinland-Pfalz/Landesbank Baden-Württemberg. Anschließend war er anderthalb Jahre im internationalen Geschäft bei der LBBW tätig, wechselte 2009 zu Coface und spezialisierte sich hier in verschiedenen Positionen im Bereich Factoring. 2014 kam Wohn als Sales Manager für das Rhein-Main-Gebiet zur Bibby Financial Services GmbH. </div>
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Andreas Dehlzeit, Geschäftsführer der Bibby Financial Services GmbH, ordnet die Personalie ein: "Mit Christian Wohn haben wir einen anerkannten Factoring-Experten an die Spitze unseres Vertriebsteams berufen. Die Besetzung des Head of Sales mit Herrn Wohn spiegelt gleichzeitig unsere Wachstumsambitionen im deutschen Markt wieder. Im Zuge dessen haben wir bereits im vergangenen Jahr in Wiesbaden eine zusätzliche Vertriebsniederlassung eröffnet, deren spezialisiertes Team gemeinsam mit Herrn Wohn unser Geschäft weiter entwickeln soll." </div>
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Gerne senden wir Ihnen bei Bedarf ein Foto von Herrn Wohn in druckfähiger Auflösung zu. </div>
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Weitere Informationen finden Sie unter: <a class="uri-ext outbound" href="https://www.bibbyfinancialservices.de/" rel="nofollow" style="color: #0b0b0b;">https://www.bibbyfinancialservices.de</a></div>
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Pressekontakt: </div>
<pre class="xml_contact" style="font-family: 'Times New Roman', Times, serif; line-height: 26px; white-space: normal;">Kontakt Bibby Financial Services:
Bibby Financial Services GmbH
Tel.: 0211-520653-0
<a class="uri-mailto" href="mailto:presse@bibbyfinancialservices.de" style="color: #0b0b0b;">presse@bibbyfinancialservices.de</a>
Kontakt Agentur Hill + Knowlton:
Dirk Ulmer
Tel: +49 69 973 62 24
<a class="uri-mailto" href="mailto:Dirk.Ulmer@hkstrategies.com" style="color: #0b0b0b;">Dirk.Ulmer@hkstrategies.com</a></pre>
<small class="originator" style="font-size: 13px;">Original-Content von: Bibby Financial Services GmbH, übermittelt durch news aktuell</small><span style="background-color: white;"> </span><br />
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-73483188049170251222017-03-01T13:31:00.000+01:002017-03-01T13:31:42.003+01:00Absicherung von Cyberrisiken.<h2>
<span style="box-sizing: border-box; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; font-weight: 700;">Welche Schäden können drohen:</span><span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px;"> </span></h2>
<ul style="box-sizing: border-box; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 10px; margin-top: 0px;">
<li style="box-sizing: border-box;">Verletzung von Datenschutz</li>
<li style="box-sizing: border-box;">Haftung für fehlende Netzwerksicherheit und Hackerangriffe</li>
<li style="box-sizing: border-box;">Rechtsverletzungen in digitaler Kommunikation </li>
<li style="box-sizing: border-box;">Kosten für die Information von Kunden/ Behörden über Datenvorfälle</li>
<li style="box-sizing: border-box;">IT-Forensik-Kosten zur Aufklärung der Vorfälle (Beweismittelsicherung von Rechtsverstößen)</li>
<li style="box-sizing: border-box;">Kosten aufgrund aufsichtsrechtlicher Verfahren</li>
<li style="box-sizing: border-box;">Bußgelder (bis zu 2 % des globalen Umsatzes eines Unternehmens)</li>
<li style="box-sizing: border-box;">Haftung der Organe für fehlerhafte Sicherung und Controlling? </li>
<li style="box-sizing: border-box;">Betriebsunterbrechung/ Ertragsausfall durch Systemausfall der IT</li>
<li style="box-sizing: border-box;">Mehraufwand z.B. zur Wiederherstellung von Daten/ Systemen</li>
<li style="box-sizing: border-box;">Forensische Ermittlungskosten</li>
<li style="box-sizing: border-box;">Computerbetrug/ Erpressung</li>
<li style="box-sizing: border-box;">Reputationsschaden </li>
</ul>
<br style="box-sizing: border-box; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px;" />
<h3>
<span style="box-sizing: border-box; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; font-weight: 700;">Wenn für Ihr Unternehmen Cyberrisiken ein noch nicht abgesichertes Risiko darstellt, dann sprechen Sie mit uns. Wir verfügen über die richtigen Ansprechpartner.</span><span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px;"> </span></h3>
<a href="http://www.main-neckar-capitalgroup.com/" rel="nofollow" style="box-sizing: border-box; color: #006699; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; text-decoration: none;" target="_blank">Main-Neckar-CapitalGroup - Ihre -Corporate Finance Beratungs Boutique in Frankfurt Main.</a><span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px;"> </span><br style="box-sizing: border-box; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #333333; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px;"> </span>Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-52698764852678417922017-02-20T17:32:00.000+01:002017-02-20T17:34:21.887+01:00BIBBY Financial Services der Factoringpartner von Main-Neckar-CapitalGroup<div class="separator" style="clear: both; text-align: center;">
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<span style="color: #993366; font-family: "arial" , "helvetica" , sans-serif;"><br /></span><span style="color: #993366; font-family: "arial" , "helvetica" , sans-serif;">Main-Neckar-CapitalGroup - Corporate Finance Beratungs Boutique </span></h3>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="color: #993366;">Wir beraten den Mittelstand rund um die Bilanz. Hierzu gehört auch das Factoring von BIBBY Financial Services, ein stets verlässlicher Partner. Sprechen Sie mit uns.</span></span></h3>
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<a href="http://www.main-neckar-capitalgroup.com/" rel="nofollow" style="font-family: Arial, Helvetica, sans-serif; text-align: start;" target="_blank">Gesamtüberblick des Angebotes der Main-Neckar-CapitalGroup</a><span style="color: #993366; font-family: "arial" , "helvetica" , sans-serif; text-align: start;"> </span></div>
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<br />Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-21534240289741035772017-02-09T11:14:00.000+01:002017-02-09T16:14:15.099+01:00Umsichtige Gesellschafter berufen einen Beirat<!--[if gte mso 9]><xml>
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<!--StartFragment-->
<br />
<h3>
<span class="s1"><b><span style="font-family: "arial" , "helvetica" , sans-serif;">Langfristig
wirtschaftlichen und nachhaltigen Erfolg zu erzielen fordert alle
Beteiligten</span></b></span></h3>
<div class="p1" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Wenn sich Geschäftsführer / Gesellschafter eines
Unternehmens ihren Mitarbeitern und Kunden, Lieferanten, Mitbewerbern, Netzwerkpartnern
und auch der Öffentlichkeit gegenüber mit gleichen Wertvorstellungen verhalten, wird
das Unternehmen selbst langfristig wirtschaftlichen Erfolg erzielen. <span style="font-size: small;"><o:p></o:p></span></span></div>
<div class="p1" style="text-align: justify;">
<br /></div>
<div class="p1" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Diesen Erfolg nachhaltig sicherzustellen ist das
Ziel im Zusammenwirken mit einem Beirat. <o:p></o:p></span></div>
<div class="p1" style="text-align: justify;">
<br /></div>
<div class="p1" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Nicht nur für Aktiengesellschaften ist es wichtig,
einen kompetenten Aufsichtsrat zu bestellen, auch für Mittelstandsunternehmen
und Startups sind heutzutage Beiräte unentbehrlich. Beraten, fördern, lenken
und mitgestalten: dies sind die wichtigsten Aufgaben eines Beirates mit aktiver
Beratungsfunktion.<o:p></o:p></span></div>
<div class="p1" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Ein Beirat sollte nicht nur über
fachliche Kenntnisse und unternehmerische Erfahrung verfügen, sondern auch die künftige
Entwicklung von Mittelstand 4.0 in sein Handeln miteinbeziehen. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<h3>
<b><span style="font-family: "arial" , "helvetica" , sans-serif;">Auflistung der Aufgabengebiete: </span></b></h3>
<h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;">Beratung </span></h3>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Der Beirat dient als Gesprächs- und Diskussionspartner für die Geschäftsführung und die Gesellschafter. Fragestellungen der täglichen und strategischen Unternehmenspraxis und Unternehmensführung gehören zum Beratungsumfang. </span></div>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif;">Der Unternehmensbeirat besitzt keine Entscheidungsbefugnis. </span></div>
<div>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Seine Beratung werden den Entscheidungsträgern des Unternehmens (Geschäftsleitung, Gesellschafterversammlung) als Entscheidungshilfe vorgelegt. Der Beirat hat keine Geschäftsbefugnis und unterscheidet sich daher deutlich von Geschäftsleitung. </span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Die Beratung des Beirats kann sich auf alle Unternehmensbereiche beziehen. Sie umfasst sowohl den operativen (etwa bei Investitionen, Personalfragen, Marketing) als auch den strategischen Bereich (etwa Nachfolgeplanung, langfristige Unternehmensausrichtung, neue Produkt / Dienstleistungsfelder).</span></div>
<div style="text-align: justify;">
</div>
<h3 style="background-image: none; border-bottom-style: none; font-size: 1.2em; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em;">
<span class="mw-headline" id=".C3.9Cberwachung"><span style="font-family: "arial" , "helvetica" , sans-serif;">Überwachung</span></span></h3>
<h3 style="background-image: none; border-bottom-style: none; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small; font-weight: normal;">Sollten die Gesellschafter aus Zeit oder Qualifikationsgründen ihre Gesellschaftsrechte nicht ganz oder teilweise nicht selbst ausüben können oder wollen, kann der Beirat überwachend tätig werden. Er entspricht insofern dem Aufsicht einer AG.</span></h3>
<h3 style="background-image: none; border-bottom-style: none; font-size: 1.2em; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em;">
<span class="mw-headline" id="Ausgleichsfunktion"><span style="font-family: "arial" , "helvetica" , sans-serif;">Ausgleichsfunktion</span></span></h3>
<h3 style="background-image: none; border-bottom-style: none; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em; text-align: justify;">
<span style="color: #252525; font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">Ein Beirat, der ausschließlich mit Nicht-Gesellschaftern besetzt ist, kann wesentlich zu einer Versachlichung des Dialogs zwischen Geschäftsführung und Gesellschaftern beitragen. Denkbar ist der Einsatz eines Beirats zur Schlichtung oder zur Entscheidung bei Meinungsverschiedenheiten. Auch im Generationenkonflikt kann ein Unternehmensbeirat vermitteln.</span></span></h3>
<h3 style="background-image: none; border-bottom-style: none; font-size: 1.2em; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em;">
<span class="mw-headline" id="Vertretung_von_Gesellschafterst.C3.A4mmen"><span style="font-family: "arial" , "helvetica" , sans-serif;">Vertretung von Gesellschafterstämmen</span></span></h3>
<h3 style="background-image: none; border-bottom-style: none; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em; text-align: justify;">
<span style="color: #252525; font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">In dieser Funktion übt der Beirat einige der Rechte der Gesellschafter aus. Da diese Befugnisse im Gesellschaftsvertrag auf den Unternehmensbeirat übertragen werden müssen, kann nur ein organschaftlich legitimierter Beirat als Vertreter der Gesellschafterstämme fungieren.</span></span></h3>
<div style="color: #252525; line-height: inherit; margin-bottom: 0.5em; margin-top: 0.5em;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Am sinnvollsten erscheint dies, wenn die Anzahl der Gesellschafter sehr groß ist.</span></div>
<div style="color: #252525; line-height: inherit; margin-bottom: 0.5em; margin-top: 0.5em;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Der Beirat kann hierbei entscheiden über:</span></div>
<ul style="color: #252525; list-style-image: url(data:image/svg+xml,%3C%3Fxml%20version%3D%221.0%22%20encoding%3D%22UTF-8%22%3F%3E%0A%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20version%3D%221.1%22%20width%3D%225%22%20height%3D%2213%22%3E%0A%3Ccircle%20cx%3D%222.5%22%20cy%3D%229.5%22%20r%3D%222.5%22%20fill%3D%22%2300528c%22%2F%3E%0A%3C%2Fsvg%3E%0A); margin: 0.3em 0px 0px 1.6em; padding: 0px;">
<li style="margin-bottom: 0.1em;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Erstellung der Jahresplanung</span></li>
<li style="margin-bottom: 0.1em;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Neubestimmung der Geschäftsführung</span></li>
<li style="margin-bottom: 0.1em;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Verwendung des Jahresüberschusses</span></li>
<li style="margin-bottom: 0.1em;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Anerkennung von potentiellen Käufern von Unternehmensanteilen und Beratung über den Kaufpreis der Anteile</span></li>
</ul>
<h3 style="background-image: none; border-bottom-style: none; font-size: 1.2em; line-height: 1.6; margin: 0.3em 0px 0px; overflow: hidden; padding-bottom: 0px; padding-top: 0.5em;">
<span class="mw-headline" id="Imagewirkung"><span style="font-family: "arial" , "helvetica" , sans-serif;">Imagewirkung</span></span></h3>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Beiratsmitglieder bringen zudem ihr eigenes Kontakt- und Beziehungsnetzwerk mit in das Unternehmen ein, das diesem von Nutzen sein kann. </span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;">Know-How</span></h3>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Das Know-how eines ehemaligen
leitenden Angestellten in internationalen Banken und jetzigen Geschäftsführers
der Main-Neckar-CapitalGroup GmbH, einer unabhängigen Corporate Finance
Beratungsgesellschaft, bringt diesen Mehrwert mit.<o:p></o:p></span></div>
<!--EndFragment--><br />Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-27360596941547293282016-11-15T08:56:00.000+01:002016-11-15T09:10:08.305+01:00Harter oder weicher Brexit<div class="MsoNormal">
<br /></div>
<h2 style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14pt;">Die </span><span style="color: #262626; font-family: "arial"; font-size: 14pt;">P</span><span style="font-family: "arial"; font-size: 14pt;">remierministerin </span><span style="font-family: "arial"; font-size: 14pt;">Theresa May</span><span style="font-family: "arial"; font-size: 14pt;"> kann zwischen
einem „harten oder weichen“ Brexit entscheiden.</span></h2>
<h3>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14pt;">Was ist
unter diesen beiden Begriffen eigentlich zu verstehen?</span></div>
</h3>
<h3 style="text-align: justify;">
<b><span style="font-family: "arial"; font-size: 14.0pt;">Bei einem „harten“ Brexit scheidet
Großbritannien aus dem Binnenmarkt aus </span></b><span style="font-family: "arial"; font-size: 14pt;">und schließt dann vermutlich ein Freihandelsabkommen mit der
Europäischen Union.</span></h3>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14pt;">Klingt
einfach ist es aber nicht.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<h3>
<span style="font-family: "arial"; font-size: medium;">Sämtliche Vertragswerke
müssen neu ausgehandelt und ob dabei alle Handelsbarrieren für Großbritannien vollständig
verhindert werden können, bleibt ungewiss. </span></h3>
</div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14.0pt;">In diesem
Zusammenhang könnte es auch passieren, dass Großbritannien auf die
Mindestregelungen der Welthandelsorganisation (WTO) reduziert wird. Der WTO
gehören zurzeit 164 Länder an. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14.0pt;">„Die
WTO-Abkommen berühren nationales und europäisches Recht, da die Mitgliedstaaten
sich grundsätzlich verpflichtet haben, ihre nationalen Gesetze ihren
Verpflichtungen aus den Welthandelsverträgen anzupassen. So hat sich etwa die
Europäische Union durch den Beitritt zur WTO verpflichtet, die „Abkommen und
die dazugehörigen Rechtsinstrumente (Streitbeilegungs-verfahren) anzuerkennen.“
Das Welthandelsrecht der WTO ist nach ständiger Rechtsprechung des EuGH in der
EU allerdings grundsätzlich nicht unmittelbar anwendbar, das bedeutet, einzelne
Bürger oder Unternehmen können sich vor nationalen Gerichten nicht unmittelbar
darauf berufen. Rechtsverletzungen können nur von den Regierungen anderer
Staaten über das WTO-Streitschlichtungsverfahren angegriffen werden." </span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14.0pt;">(Quelle:
WIKIPEDIA).<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<h3>
<span style="font-family: "arial"; font-size: 14.0pt;">Was bedeutet
ein „harter“ Brexit:</span></h3>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "arial"; font-size: 14.0pt;">Befürworter
eines „harten“ Brexit sehen den Vorteil darin, dass Großbritannien die Kontrolle über seine
Grenzen zurückerhielte. Im Gegenzug entfällt der freie Zugang zum europäischen
Binnenmarkt nicht nur für Güter und Dienstleistungen, sondern auch für
Arbeitnehmer aus anderen EU-Staaten. Wegfall des „EU-Passes“ für
Finanzprodukte. </span><span style="font-family: "arial"; font-size: 14pt;">Sitzverlegung
der </span><b><span style="color: #1c1c1c; font-family: "helvetica"; font-size: 14.0pt;">Europäische Bankenaufsichtsbehörde</span></b><span style="color: #1c1c1c; font-family: "helvetica"; font-size: 14pt;"> (EBA).</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial"; font-size: 14.0pt;">Bei einem „weichen“ Brexit bleibt Großbritannien
bleibt im Binnenmarkt</span></b><span style="font-family: "arial"; font-size: medium;">
und bestehende Verträge müssen entsprechend angepasst werden. </span></h3>
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<span style="font-family: "arial"; font-size: 14.0pt;">So oder so ähnlich stellt sich dies
die Londoner Bankenlobby und ausländische Investoren vor. Im Gegenzug müssten die
Briten dafür wahrscheinlich offene Grenzen für EU-Arbeitnehmer akzeptieren. </span></div>
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<span style="font-family: "arial"; font-size: 14.0pt;">Allerdings
war in den vergangenen Jahren die Einwanderung- und zuletzt die Flüchtlingspolitik eines der Hauptgründe, warum die
Brexit-Befürworter für den EU-Austritt gestimmt haben. <o:p></o:p></span></div>
<h3>
<span style="font-family: "arial"; font-size: 14pt;">Nach gegenwärtiger
Einschätzung wird es wohl zu einem „harten“ Brexit kommen. </span></h3>
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<span style="font-family: "arial"; font-size: 14.0pt;">Ob hier allerdings
die 2 Jahre nach Abgabe des Austrittsschreibens ausreichen, mag bezweifelt
werden. <o:p></o:p></span></div>
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<span style="font-family: "arial"; font-size: 14.0pt;">Auf jeden
Fall werden Arbeitsplätze auf der Insel und bei der EU geschaffen werden. Die
Experten werden für beide Verhandlungsparteien versuchen das beste
Verhandlungsergebnis zu erreichen. Hier kann dann die EU zeigen, wie sie sich
für mögliche künftige Austrittsländer aufstellt und dabei aufzeigen wo die
Kompromisslinie für die EU verläuft. <o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-24835220751445906962016-10-17T18:08:00.000+02:002016-10-18T08:32:42.455+02:00Haben Sie schon darüber nachgedacht einen UnternehmensBeirat zu berufen?<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
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<br />
<h2>
Unternehmensbeirat – Beirat mit
aktiver Beratungsfunktion.</h2>
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<o:p></o:p></div>
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<br /></div>
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Wie wichtig es ist, das heutige
Business Modell fortlaufend zu überprüfen, zeigen die Entwicklungen bei
Mittelstand4.0 oder die rasanten Entwicklungen im Bereich der FinTechs. <o:p></o:p></div>
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<br /></div>
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Dazu kommen Ausnahmesituationen
wie Krisenmanagement, Liquiditätsengpässe. Der Aufbau neuer Geschäftsfelder
oder Veränderungen im Managementteam benötigen erfahrene, kompetente und
unabhängige Ratgeber. Gleiches gilt bei strategischen Themenstellungen im
Rahmen des Business Developments. Die Einbindung von Beiräten ist
daher eine konkrete unternehmerische Aufgabe.</div>
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<o:p></o:p></div>
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<br /></div>
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Gute Beiräte handeln auch als
Bindeglied zwischen Generationen, als Mittler bei Konflikten innerhalb inhabergeführter
Unternehmen oder als Koordinator bei divergierenden Einschätzungen zwischen
Gesellschaftern und Fremdgeschäftsführern. In diesem Kontext wird klar, wie
anspruchsvoll die richtige Besetzung von Beiräten ist. Die Berufung muss den
Anforderungen des Unternehmens und seiner Gesellschafter entsprechen und es
dürfen keine fremden Interessen, Gefälligkeiten, zufällige Verfügbarkeiten oder
ähnliches Einfluss auf die Berufung haben.<o:p></o:p></div>
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<br /></div>
<h2>
Beirat mit aktiver
Beratungsfunktion</h2>
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<o:p></o:p></div>
<h3>
<o:p> </o:p>Was ist damit gemeint:</h3>
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<o:p></o:p></div>
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<h4>
Als Beirat berät Manfred R.
Elsner die Geschäftsleitung</h4>
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<o:p></o:p></div>
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<div style="text-align: left;">
<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->im
operativen Bereich – u. a. bei tagesaktuellen Themenstellungen,
Investitionen, Eigen- oder Fremdkapitalbeschaffung, Marketing und
Personalfragen sowie</div>
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<h4>
die Geschäftsleitung /
Gesellschafter</h4>
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<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->bei strategischen
Themen – u. a. bei der langfristigen Unternehmensausrichtung und neuen Produkt-
/ Dienstleistungsfeldern.<o:p></o:p></div>
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<h3>
Wie erfolgt die Zusammenarbeit:</h3>
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<o:p></o:p></div>
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<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->Ein
Beiratsmandat umfasst mindestens 8 Stunden oder einem Beratungstag pro
Monat.<o:p></o:p></div>
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<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->Mindestens
einmal im Monat findet ein persönliches Meeting im Hause des Mandatens statt.<o:p></o:p></div>
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<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->Ansonsten
erfolgt die bis zu tägliche BeratungsUnterstützung mittels Telefon, Skype, Mail
oder SMS.<o:p></o:p></div>
</div>
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<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->Manfred
R. Elsner kann außerdem bei Bedarf sein eigenes Netzwerk mit
hochqualifizierten Speziallisten / Kooperationspartner mit einbinden.<o:p></o:p></div>
</div>
<h3>
Welche Zielgruppen kommen
in Frage:</h3>
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<o:p></o:p></div>
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<!--[if !supportLists]-->•<span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span><!--[endif]-->MittelstandsUnternehmen,
FinTechs, FinanzdienstleistungsUnternehmen.<o:p></o:p></div>
</div>
<h3>
<o:p> </o:p>Welche
Aufwendungen entstehen für das Unternehmen:</h3>
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<span style="text-indent: -24px;">•</span><span style="font-family: "times new roman"; font-size: 7pt; line-height: normal; text-indent: -24px;"> </span><span style="font-family: "symbol"; text-align: justify; text-indent: -18pt;"><span style="font-family: "times new roman"; font-size: 7pt; line-height: normal;"> </span></span><span style="text-align: justify; text-indent: -18pt;">Es gelten die Beratungshonorare gemäß BeratungsMandatsVereinbarung der Main-Neckar-CapitalGroup.</span></div>
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<!--EndFragment-->Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-66741546438325400092016-10-09T14:41:00.001+02:002016-10-09T14:41:28.183+02:00Es sind nicht die FinTechs, die Arbeitsplätze bei den Banken abbauen, sondern deren jahrelange fehlenden Strategien.<h2>
Bankmodelle im Wandel</h2>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal;">
<span style="font-kerning: none;"><br /></span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; text-align: justify;">
<span style="-webkit-font-kerning: none;">Früher war er ein vertrautes Gesicht: der Bankangestellte in der Filiale einer Bank. Er wusste genau Bescheid, welche Geldeingänge Sie hatten, welche Anlagen für Sie geeignet erschienen. Alles irgendwie easy. Dann kamen die großen Bankstrategien aus den Türmen in Frankfurt, und diese hatten nahezu alle 2 Jahre neue geniale Ideen. Die besten Sprüche, die in Erinnerung sind: „Der Kunde muss im Mittelpunkt stehen.“ Hört sich gut an, gilt aber auch ohne geniale Strategie, z. B. bei Ihrem Lieblingsitaliener oder bei Ihrem Friseur. </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Jetzt bauen die grossen Banken ihre Mitarbeiter ab, weil das Geschäft in der Fläche nicht mehr rentabel ist. Gut, Kundennähe ist im Banking eigentlich auch nicht so wichtig, Hauptsache der Kunde macht seine Bankgeschäfte kostengünstig für die Bank. Diese Strategie geht aber nur bedingt auf. Bankdienstleistungen sind heute transparenter denn je zuvor. </span></div>
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<span style="font-kerning: none;"></span><br /></div>
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<span style="font-kerning: none;">Bei dem laufenden Arbeitsplatzabbau wurde noch nicht kalkuliert, wie sich die Banken weiter verändern werden. Die Bank der Zukunft könnte so aussehen, wie es die solarisBank bereits anbietet.</span></div>
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<span style="font-kerning: none;"></span><br /></div>
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<span style="font-kerning: none;">Quelle: solarisBank </span></div>
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<span style="font-kerning: none;">„Banking für die digitale Wirtschaft. Die solarisBank ermöglicht API-Bank: auf der Solaris-Plattform können Unternehmen mit digitalen Geschäftsmodellen passgenaue Lösungen für Ihre Bedürfnisse entwickeln. Schnell, skalierbar und sicher. Wir sind das Tech-Unternehmen mit der Banklizenz.“ </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Wenn dies die Erfolgsformel für die Zukunft ist, dann ist es nicht damit getan, Geschäftsbereiche zusammenzulegen oder Backoffice-Aufgaben zu bündeln. </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Der Mittelstand - das Rückgrat unserer Wirtschaft - zeigt es Jahr für Jahr. Mittelstand4.0 hat nicht erst seit kurzem begonnen, er ist ein Prozess, der von Firmeninhabern seit Jahren in Gang gesetzt wurde. Mit der Technik von Cloud-Anwendungen, dem Heranziehen von Big-Data, Business Intelligence etc. wird Mittelstand4.0 Schritt für Schritt umgesetzt.</span></div>
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<span style="font-kerning: none;"></span><br /></div>
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<span style="font-kerning: none;">In der Finanzindustrie sind es jetzt die FinTechs, welche, auch auf neuester Technik basierend, kundennahe und unkomplizierte Anwendungen anbieten. Die Bank ist vom Schalter in das Smartphone oder Tablet gewandert; hier kann sich der Bankkunde einfach, sicher und bequem informieren und direkt Abschlüsse tätigen. </span></div>
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<span style="font-kerning: none;"></span><br /></div>
<br />
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<span style="-webkit-font-kerning: none;"><b>Die Zukunft wird für die FinTechs sicherlich erfolgreich, für einige traditionelle Banken dagegen könnte es eng werden. </b></span></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-58851073949930904692016-09-23T05:48:00.000+02:002016-09-24T06:09:02.131+02:002forFrankfurt – 2Generationen von Unternehmer <h2>
<span style="color: #484848; font-family: "opensans"; font-size: 15pt;">2forFrankfurt bietet die CONSULTING ROADMAP TO GERMANY</span></h2>
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<span style="color: #484848; font-family: "opensans";"><span style="font-size: 15pt;">FinTechs und Financials suchen
Lösungskonzepte, wenn der Brexit in die Entscheidungs- und Umsetzungsphase
kommt. Die Politiker aus Wiesbaden und Frankfurt sind auf Werbetouren in London
unterwegs um Frankfurt als einen internationalen, leistungsfähigen Finanzstandort
und neues Zuhause für die Firmeninhaber und ihren Mitarbeiter zu präsentieren.
Frankfurt bietet alles was für die Ansiedlung an einem neuen Standort wichtig ist.
Hervorragende Infrastruktur in Frankfurt und im Rhein-Main-Gebiet, internationale
Schulen, Goethe Universität</span></span><span style="color: #484848; font-family: "opensans"; font-size: 15pt;"> </span><span style="color: #484848; font-family: "opensans";"><span style="font-size: 15pt;">mit dem
House of Finance,</span></span><span style="color: #484848; font-family: "opensans"; font-size: 15pt;"> </span><span style="color: #484848; font-family: "opensans";"><span style="font-size: 15pt;">Deutsche Börse, FinTech-Hubs, internationalen Flughafen, grosses </span><span style="font-size: 15pt;">kulturelles Angebot, Museen und vieles mehr. In Frankfurt sind mit der DFB Zentrale die Weltmeister zuhause.</span></span></div>
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<span style="color: #484848; font-family: "opensans"; font-size: 15pt;"><br /></span></div>
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<span style="color: #484848; font-family: "opensans"; font-size: 15pt;">Was bieten die beiden Unternehmer
Sven L. Franzen und Manfred R. Elsner für FinTechs / Financials / FinanzdienstleistungsUnternehmen
die nach Frankfurt übersiedeln wollen?</span></div>
<h3>
<b><span lang="EN-GB" style="color: #484848; font-family: "opensans"; font-size: 15.0pt;"><o:p> </o:p></span></b><b><span lang="EN-GB" style="color: #484848; font-family: "opensans"; font-size: 15.0pt;">Ein
One-Stop-Model:</span></b></h3>
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<span lang="EN-GB" style="color: #484848; font-family: "opensans"; font-size: 15.0pt;">One
contract with the client, insourcing network partner under the guidance of the
both CEO’s. Lean, fast and fully committed. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<a href="http://2forfrankfurt.de/" target="_blank"><span style="font-size: large;">2forFrankfurt</span></a></div>
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<br /></div>
<h3>
<span style="color: #484848; font-family: "opensans"; font-size: 15pt; text-align: justify;">Wer steckt hinter 2forFrankfurt:</span></h3>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #484848; font-family: "opensans"; font-size: 18pt;">Erfolgreicher Jungunternehmer:</span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="color: blue; font-family: "opensans"; font-size: 15.0pt;">Sven L. Franzen </span><span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;">wurde im Jahr 2006 als „Hessens Bester“, 2010 als „Deutschlands
Meilenstein“, 2014 mit dem „Merit“ der Wirtschaftsjunioren Stuttgart e.V., 2015
mit der höchsten Auszeichnung der „goldenen Juniorennadel“ der
Wirtschaftsjunioren Deutschlands und 2016 als Vorbildunternehmer des Monats
Februar ausgezeichnet. </span><span style="color: blue; font-family: "opensans"; font-size: 15.0pt;">Sven L. Franzen</span><span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;"> führt seit 2005 eine Marketingagentur für Unternehmens-
und Marketingberatung, die <a href="http://www.tigergroup.eu/" target="_blank">TIGER MARKETING GROUP </a><o:p></o:p></span></div>
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<br /></div>
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<span style="color: #484848; font-family: "opensans"; font-size: 18.0pt;">Erfolgreicher Manager und
Unternehmer:<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-align: justify; text-autospace: none;">
<span style="color: blue; font-family: "opensans"; font-size: 15.0pt;">Manfred R. Elsner</span><span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;"> arbeitete im Investmentbanking in London. Managing
Director bei einer internationalen Corporate und Investmentbank in Frankfurt.
Verantwortlich für das Coverage und Corporate Finance Beratung von 15 grossen
Banken auf Vorstandsebene in Deutschland und Österreich. </span><span style="color: blue; font-family: "opensans"; font-size: 15.0pt;">Manfred R. Elsner</span><span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;"> ist Experte
für das Retail-, Online- und Investmentbanking. Mitwirkung bei mehreren
Strategieprojekten im Firmenkundengeschäft.<o:p></o:p></span></div>
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<span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;">Aktuell CEO der
<a href="http://www.main-neckar-capitalgroup.com/2forfrankfurt/" target="_blank">Main-Neckar-CapitalGroup</a>, unabhängige und inhabergeführte Corporate Finance
Beratung Boutique. Beratung von FinTechs und MittelstandsUnternehmen mit Fokus
auf Corporate Finance, Strategie, Eigen- und Fremdkapital. </span><span style="color: blue; font-family: "opensans"; font-size: 15.0pt;">Manfred R. Elsner</span><span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;"> übernimmt
Verantwortung als aktiver Unternehmensbeirat. </span><span style="color: blue; font-family: "opensans"; font-size: 15.0pt;"> Manfred
R. Elsner</span><span style="color: #484848; font-family: "opensans"; font-size: 15.0pt;"> ist ehrenamtlicher Ansprechpartner für das
Kompetenznetz Mittelstand und Leiter der Servicestelle der Oskar Patzelt
Stiftung – Großer Preis des Mittelstandes – in Frankfurt am Main, für die
Region Hessen. </span><o:p></o:p></div>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-64927750857560421632016-09-13T08:36:00.000+02:002016-09-16T14:56:56.339+02:00Banken erfinden sich ständig neu. Fintechs sollten an weiteren Mittelstandsangeboten arbeiten. <div class="MsoNormal">
<span style="mso-tab-count: 1;"> </span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Mit der geplanten Aufspaltung der Mittelstandsbank, der sog. DNA der
Commerzbank, gehen die kleineren Mittelstandstandsunternehmen in den
Privatkundensektor, die sog. größeren Mittelstandsunternehmen in die Investmentbank. </div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Wenn man sich die Renditezahlen der beiden Segmente
anschaut, dann macht dies vielleicht Sinn. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Klar, so kann man für die Analysten und Anleger eine
segmentbezogene bessere Rendite präsentieren und die
Einsparungsmaßnahmen im Back-Office dem Betriebsrat besser erklären. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Laut einer Studie der KfW-Bank (April 2015) ist der deutsche
Mittelstand überaltert: Das Durchschnittsalter mittelständischer
Unternehmensgründer liegt aktuell bei 51 Jahren. Nur noch 12 Prozent der
Unternehmer im Mittelstand sind unter 40 Jahre alt, 2002 waren es noch fast 30
Prozent. Ein kleinerer Mittelständler soll sich künftig von einem
Privatkundenberater bei der Commerzbank beraten lassen. Da stellt sich für mich
die Frage, welche Beratung soll er denn erhalten oder sucht er nicht besser
gleich nach der richtigen App oder passendem Online-Angebot. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
FinTechs haben die besten Voraussetzungen dem
Mittelstandskunden bessere Lösungen zu bieten. Nicht das ewige Verschieben von
einem Segment zum anderen ist die Lösung, sondern Angebote, welches sich am
Bedarfs der Nutzer orientieren. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Zahlungsverkehrsangebote ausweiten, hier gibt es mit Wirecard erste
zielführende Angebote. Startups sind die neuen Mittelstandskunden, also wieso
nicht heute schon die frustrierten Mittelstandsunternehmen anderer Institute als
Markt definieren. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Was sucht denn der Mittelstand? Lösungen die ihm seine
Liquiditäts- und Eigenkapitalsituation verbessern. Lösungen die im
gegenwärtigen Bankenumfeld eher bei bankunabhängigen Anbietern zu finden sind.
Jüngste Beispiel ist <span style="mso-bidi-font-weight: bold;">Tradico, der erste
reine Online-Finetrader für den gewerblichen Bereich in ganz Europa, Investoren
sind nicht Banken, wie man vielleicht vermuten könnte, nein es sind DvH
Ventures und Earlybird Venture Capital.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Factoring um Skonti auszunutzen und ein effizientes
Forderungsmanagement zu installieren. Maschinen- und Autoleasing. <span style="mso-spacerun: yes;"> </span>Förderprogramme und Zuschüsse für F&E. Wachstumskapital
durch Mittelstandsbeteiligungsfonds oder Business Angel, die in Startups
investieren, diese wiederum können auch Zuschüsse für Ihre Risikobeteiligung
erhalten. Alles wichtige Bausteine für den Mittelstand.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Die Anbieter für die oben genannten Produkte kommen
allerdings schon lange nicht mehr von der sog. Hausbank, sondern von
unabhängigen Plattformen bzw. bankenunabhängigen Anbietern. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Dieser Trend wird sich fortzusetzen. Die Angebote werden
noch besser werden und eine Banklizenz braucht man nur noch, um die
gegenwärtigen Gesetzesbestimmungen zu erfüllen, aber nicht um das Bankgeschäft des
vorigen Jahrhunderts weiterzuführen.</div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Der Kunde steht im Mittelpunkt, diesen Satz lese ich es seit
Jahren, immer wenn eine Bank eine sog. neue Strategie einführt. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Loriot würde fragen:
ja wo steht er denn? Oder wo stand er denn vorher?</div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-32999384889786843722016-09-03T16:47:00.000+02:002016-09-03T16:53:30.467+02:00Frankfurt am Main the Financial Center in Europe <div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="-webkit-text-stroke-width: initial; font-size: 11px;"><br /></span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="-webkit-text-stroke-width: initial; font-size: 11px;"><br /></span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="-webkit-text-stroke-width: initial; font-size: 11px;"><b>Großbritannien ist immer noch im Drafting-Modus für das Austrittsschreiben</b> gem. Artikel 50 des EU-Vertrages. Den Verantwortlichen in Brüssel drängt es scheinbar nach den ersten forschen Auftritten der EU- und nationalen Politiker nicht mehr so dieses Schreiben zu erhalten. <b>Brexit</b> ist </span><span style="-webkit-text-stroke-width: initial; font-size: 11px;">zur Zeit nicht mehr regelmäßig in den</span><span style="-webkit-text-stroke-width: initial; font-size: 11px;"> </span><span style="-webkit-text-stroke-width: initial; font-size: 11px;">großen Tages- und Wochenzeitungen zu finden.</span><span style="-webkit-text-stroke-width: initial; font-size: 11px;"> </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Anders sieht es da bei den in London angesiedelten Banken und Financial Institutions aus. Sie prüfen Szenarien über das künftige Domizils ihres Unternehmens. </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<b><br /></b></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<b>Die Beratungsgesellschaften bringen sich in Stellung und formieren ihre Teams. Diesseits und jenseits der Themse. </b></div>
<span style="font-kerning: none;"><br /></span>
<br />
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="-webkit-text-stroke-width: initial; font-size: 11px;">Anfang August 2016 hat der <b>hessisches Wirtschaftsminister Tarek Al-Wazir</b> mit einer 30-köpfigen Delegation eine Werbetour nach London unternommen, um die Vorzüge des Standortes Finanzplatzes Frankfurt nach <b>Brexit-Votum</b> zu präsentieren. Das war eine richtige Aktivität zum richtigen Zeitpunkt.</span><span style="-webkit-text-stroke-width: initial; font-size: 11px;"> </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Frankfurt und Wiesbaden müssen hier an einem Strang ziehen.</b> Rahmenbedingungen zu schaffen, damit die großen Player und die FinTechs Frankfurt attraktiv finden. </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Die Deutschlandzentralen </b>der großen Banken, Genossenschaftsbanken und Sparkassen haben heute bereits ihren Sitz in Frankfurt. Dazu kommen die grossen Assetmanager der einzelnen Institutionsgruppen. Viele Speziallisten in den internationalen Anwaltskanzleien und Wirtschaftsprüfungsgesellschaften verfügen ein großes internationale Netzwerk in Frankfurt seit Jahren. Ende 2015 hatten lt. Bundesbankstatik 201 Banken ihren Sitz in Frankfurt, davon 161 Auslandsbanken. </span></div>
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<span style="font-kerning: none;"><b>Die EZB </b>ist seit 2. Juni 1998 am Standort Frankfurt. Seit 4. November 2014 gibt es die EZB-Bankenaufsicht,<i> </i>sie ist einer der zentralen Pfeiler der europäischen Bankenunion, sie ist zuständig für Banken deren Bilanzsumme über 30 Milliarden Euro oder 20 Prozent der Wirtschaftsleistung eines Landes ausmacht.</span></div>
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<span style="font-kerning: none;"><b>Die Bundesanstalt für Finanzdienstleistungsaufsicht</b> (BaFin) hat seinen Sitz in Frankfurt am Main und Bonn. </span></div>
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<span style="font-kerning: none;">Nach dem Brexit stellt sich für mich die Frage, kann die <b>European Banking Authority (EBA) </b>in London angesiedelt bleiben. Meine Antwort hierzu: Klares NEIN. Hier empfiehlt sich meiner Meinung nach Wiesbaden. </span></div>
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<span style="font-kerning: none;">Mit der Goethe Universität und dem <b>House of Finance </b>verfügt Frankfurt über die akademische Kompetenz im Finanzwesen in Deutschland (u.a. Center for Financial Studies, E-Finance Lab, Graduate School of Economics, Finance and Management) mit ca. 170 Wissenschaftern, darunter 30 Professoren. </span></div>
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<span style="font-kerning: none;">Nach den Aktionären der <b>London Stock Exchange</b> hat auch die Mehrheit der Anteilseigner des Handelsplatzes hierzulande die <b>Deutsche Börse</b> für die Fusion gestimmt. Aus meiner Sicht sollte der Stammsitz für das fusionierte Unternehmen auf jeden Fall jetzt Frankfurt am Main werden. </span></div>
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<span style="font-kerning: none;">Daneben hat <b>Frankfurt ein umfangreiches kulturelles Angebot</b>, eine Vielzahl von Museen, bestens geeignet für das Get-together. Anstelle von Pubs hat Frankfurt seine für in der ganzen Welt bekannten Appelwoi Gastwirtschaften und natürlich auch Gourmet-Tempel mit internationaler Küche, Bars und Clubs. </span></div>
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<span style="font-kerning: none;">Frankfurt am Main verfügt über eine <b>hervorragende Infrastruktur</b>. Jeden Tag kommen bereits Tausende aus dem Umland nach Frankfurt zur Arbeit. Mit <b>Frankfurt Airport</b> verfügt Frankfurt über das Drehkreuz in Europa. </span></div>
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<span style="font-kerning: none;"><b>Frankfurt am Main hat die allerbesten Voraussetzungen für Globalplayer und FinTechs einen attraktiven Standort zu bieten. </b></span></div>
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Frankfurt am Main the Financial Center in Europe!</div>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-10027974771551543892016-09-02T06:38:00.001+02:002016-09-02T17:05:17.942+02:00Convenient Ideologie <h4>
Ideologie:</h4>
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<o:p></o:p></div>
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„Im engeren Sinne wird damit zum einen auf <a href="https://de.wikipedia.org/wiki/Karl_Marx"><span style="color: windowtext; text-decoration: none; text-underline: none;">Karl Marx</span></a> zurückgehend das
„falsche Bewusstsein“ einer <a href="https://de.wikipedia.org/wiki/Gesellschaft_(Soziologie)"><span style="color: windowtext; text-decoration: none; text-underline: none;">Gesellschaft</span></a>
bezeichnet.“<o:p></o:p></div>
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<h4>
Am einfachsten zu verstehen ist das<span style="mso-ansi-language: EN-GB;"> <span lang="EN-GB">am </span></span>Beispiel anhand ihres Lieblings-Italieners.<br /><o:p> </o:p></h4>
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<o:p></o:p></div>
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... ich habe heute frische Tortellini gefüllt mit Mozzarella.
Schon die Vorstellung lässt den Gast das Wasser im Mund zusammenlaufen.<span style="mso-spacerun: yes;"> </span>Die Antwort wird in 99% der Fälle sein, ja ich will es.
<o:p></o:p></div>
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<br /></div>
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Dann wird es serviert und Gastwirt fragt: bisschen Pfeffer
und Parmesan und vielleicht doch ein Glas Rotwein?<span style="mso-spacerun: yes;"> </span>Allein der Duft der Tortellini benebelt den
Gast und er ist bereit seine weitere Bestellungen z.B. den Rotwein
vorzunehmen.<span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
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Frage: Sind das sog. Kopplungsgeschäfte oder sagen sie, das
finde ich doch einen super Service. Wahrscheinlich sagen, ja ich will auch ein
Glas Rotwein dazu trinken.<span style="mso-spacerun: yes;"> </span>„Alles <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient.” <o:p></o:p></span></div>
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Egal ob die Tortellini aus einem leckeren Vorprodukt stammen.
Den Preis lassen wir hier jetzt mal offen, den kann jeder, wenn er will im gut sortierteren
Supermarkt feststellen. Etwas Parmesan
darüber und wenn der Italiener Stil hat, dann legt er noch ein Basilikumblatt
drauf und wir Gabeln es alles ohne Löffler, weil es Stil hat beim Italiener.<o:p></o:p></div>
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Um eines klar zu stellen, ich finde meinen Italiener super,
weil er alles frisch macht. <o:p></o:p></div>
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<h4>
Aber wir wollen eigentlich überhaupt nicht über das
überzeugende Konzept der italienischen Gastwirte hier sprechen, sondern über Anbieter von Finanzdienstleistungen.
</h4>
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Ein Girokonto soll umsonst sein (kennt jemand einen
Italiener der seine Ware oder Dienstleistung kostenlos anbietet, biete
schreiben Sie mir, da will ich auch Gast sein).<o:p></o:p></div>
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Bei Finanzdienstleistern wird das erwartet. Wieso frage ich
mich?<o:p></o:p></div>
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<br /></div>
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Auch Finanzdienstleister beziehen <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient</span> Produkte, denken sie nur mal
an die verschiedensten Fonds, ETFs, IndexFonds, mache Institutsgruppen bieten
ergänzend Versicherungen, usw. an.<span style="mso-spacerun: yes;"> </span>Für
diese Herstellung zahlen die Banken / Finanzdienstleistungsanbieter den „Einkaufpreis“.
Eigentlich entspricht das der <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient
</span>Ideologie<span lang="EN-GB" style="mso-ansi-language: EN-GB;">.</span> Wenn
wir jetzt an unseren Italiener als Beispiel denken: Beim Italiener finden es
die Kunden gut und sind begeistert, weil sie es riechen und schmecken
können.<span style="mso-spacerun: yes;"> </span>Beim Finanzdienstleiter
dagegen, finden sie es geschmacklos. <o:p></o:p></div>
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<br /></div>
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Wieso ist das denn so? Meine Antwort hierzu: kennen sie eine
Talkshow, die in dieser Form irgendwann berichtet hat?<span style="mso-spacerun: yes;"> </span>Keiner würde sich jemals die Frage stellen, ob
Anbieter von Teigwaren mit Mozzarella gefüllt nicht Markteilnehmer sind, die
Ihre Kunden gut kennen und diese <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient </span>Ideologie<span style="mso-ansi-language: EN-GB;"> </span>akzeptieren.
Die Antwort auf diese Frage kann jeder Leser sich selbst geben.<o:p></o:p></div>
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Bei Finanzdienstleitern soll die Formel anscheinend nicht
gelten? Wieso eigentlich nicht? Diese müssen auch Miete, ihre Mitarbeiter, Steuern,
Sozialabgaben bezahlen, usw. Also doch kein Unterschied zum Lieblings-Italiener?
Gut der Eine macht für den Moment satt, der Andere sucht im Rahmen seiner <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient </span>Ideologie<span style="mso-ansi-language: EN-GB;"> </span>zufriedene Kunden<span lang="EN-GB" style="mso-ansi-language: EN-GB;">. <o:p></o:p></span></div>
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<br /></div>
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Um es auf eine einfache Formel zu bringen: Bei dem Einen
wird der Aufschlag ohne Wenn und Aber als passend empfunden, beim Anderen gilt
die selbe Formal als unangemessen. <o:p></o:p></div>
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Die Neuen Guten unter den Finanzanbieter sind neuerdings die
Honorarberater. Ihr Motto:<o:p></o:p></div>
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Unser Kunde zahlt mich direkt für eine faire und unabhängige
Beratung. Also der Italiener würde sagen, sie zahlen nur was sie bestellt haben.<o:p></o:p></div>
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Jetzt kommen wir abschließend zu dem wichtigsten Thema der
fairen Preise. </h4>
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Was ist Fair, der Italiener der vorgefertigte <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient</span> Produkte anbietet
(die auch noch gut schmecken und uns zufrieden stimmen) oder der Finanzdienstleister der Vergleichbares anbietet oder der Honorarberater der die Provision direkt
von seinem Kunden nimmt?<o:p></o:p></div>
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<b>Entscheiden Sie liebe Leser doch bitte selber. </b><o:p></o:p></div>
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Diese Möglichkeit der Suche nach dem fairen Preis gibt es
übrigens nur, wenn es viele Anbieter und Produkte gibt, die man vergleichbar machen
kann. Um bei unserem Lieblingsbeispiel zu bleiben: Wechselt ihr Italiener den
Koch aus, dann kann der Service noch so gut sein, aber es schmeckt nicht mehr. Umgesetzt für Finanzdienstleistungsanbieter: nicht der
Berater ist entscheidend, sondern das Produkt welches der Kunde erwirbt.</div>
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<o:p></o:p></div>
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Mit 60 Jahren brauche ich sicher kein Produkt was noch 30
Jahre Laufzeit hat. <o:p></o:p></div>
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Sofern dieses Produkt überhaupt angeboten wird, sollte bei Jedem
der gesunde Menschenverstand entscheiden. Ich sehe schon die Leute Alarm
schlagen, die seinerseits Lehmans Brother Produkte gekauft haben. War es nicht
die Gier der Anleger nach mehr Rendite? Die einfache <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient </span>Ideologie<span style="mso-ansi-language: EN-GB;"> </span>reichte nicht mehr aus, sie wollten noch mehr,
eine hausgemachte Tiramisu zum Nachtisch. Oder mehr um satt zu sein. </div>
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<o:p></o:p></div>
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Keiner braucht die Tiramisus wirklich, aber sie schmeckt und
man hat ein gutes Gefühl. <o:p></o:p></div>
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Jeder Kunde eines Finanzdienstleisters kann entscheiden, ob
er mehr Rendite und Risiko will oder ob er mit der <span lang="EN-GB" style="mso-ansi-language: EN-GB;">Convenient </span>Ideologie<span style="mso-ansi-language: EN-GB;"> </span>zufrieden ist<span lang="EN-GB" style="mso-ansi-language: EN-GB;">. <o:p></o:p></span></div>
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<b>Der Finanzdienstleister hat doch eine Gemeinsamkeit mit dem
lieben und oft hier zitierten Italiener: <span style="mso-spacerun: yes;"> </span></b></div>
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<b><br /></b></div>
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<b>No
free Lunch! <span style="mso-spacerun: yes;"> </span>Das ist für beide Anbieter <span lang="EN-GB" style="mso-ansi-language: EN-GB;">convenient!</span><o:p></o:p></b></div>
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Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0tag:blogger.com,1999:blog-1867757542972548744.post-60324040359501886312016-08-28T12:57:00.000+02:002016-08-28T17:29:50.560+02:00Zuschussprogramm für Business Angel<h2>
<span style="font-kerning: none; font-size: small;">Zielgruppe:</span></h2>
<div style="line-height: normal; min-height: 14px;">
<h3 style="text-align: justify;">
<span style="font-family: inherit; font-size: small;">Private Investoren - Business Angels die jungen innovativen Unternehmen privates Wagniskapital zur Verfügung stellen.</span></h3>
<span style="font-family: inherit; font-kerning: none;"></span></div>
<div style="line-height: normal; min-height: 14px;">
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-kerning: none;"></span><br /></span></div>
</div>
<div style="line-height: normal;">
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-kerning: none;">Damit die Anteile, die der Investor an dem Unternehmen erwirbt, bezuschusst werden </span><span style="-webkit-text-stroke-width: initial;">können, muss das Unternehmen einige Förderbedingungen erfüllen. </span><span style="-webkit-text-stroke-width: initial;">Dazu zählt, dass es sich um ein kleines und innovatives Unternehmen handeln </span><span style="-webkit-text-stroke-width: initial;">muss, das jünger als zehn Jahre ist. </span><span style="-webkit-text-stroke-width: initial;">Das Unternehmen muss eine Kapitalgesellschaft mit Hauptsitz in der </span><span style="-webkit-text-stroke-width: initial;">EU sein, mit wenigstens einer Zweigniederlassung </span><span style="-webkit-text-stroke-width: initial;">oder Betriebsstätte in Deutschland, die im </span><span style="-webkit-text-stroke-width: initial;">Handelsregister eingetragen ist.</span></span></div>
</div>
<div style="line-height: normal; min-height: 14px;">
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-kerning: none;"></span><br /></span></div>
</div>
<h3 style="text-align: justify;">
<span style="font-family: inherit; font-kerning: none; font-size: small;">Was wird gefördert:</span></h3>
<div style="line-height: normal; min-height: 14px;">
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-kerning: none;"></span><br /></span></div>
</div>
<div style="line-height: normal;">
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-kerning: none;">Gefördert wird die Kapitalbereitstellung für junge innovative Unternehmen durch den </span>Erwerb von neu ausgegebenen Geschäftsanteilen oder neu ausgegebenen Aktien. Diese Anteile müssen vollumfänglich an Chancen und Risiken beteiligt sein, zwischen Investor und Unternehmen dürfen keine risikomindernden Vereinbarungen geschlossen werden.</span></div>
</div>
<div style="line-height: normal; min-height: 14px;">
<div style="text-align: justify;">
<span style="font-family: inherit;"><span style="font-kerning: none;"></span><br /></span></div>
</div>
<h3 style="text-align: justify;">
<span style="font-family: inherit; font-kerning: none; font-size: small;">Höhe der Zuschüsse:</span></h3>
<div style="line-height: normal;">
<br />
<ul>
<li style="text-align: justify;"><span style="font-family: inherit;">Als Zuschuss werden 20% des Ausgabepreises der Anteile gewährt.</span></li>
<li style="text-align: justify;"><span style="font-family: inherit;">Maximal werden pro Investor 250.000 € p.a. als Beteiligungssumme bezuschusst.</span></li>
<li style="text-align: justify;"><span style="font-family: inherit;">Bei Beteiligungsgesellschaften erfolgt eine gesonderte Berechnung der Höchstsumme.</span></li>
<li style="text-align: justify;"><span style="font-family: inherit;">Ein durch Business Angels finanziertes Unternehmen darf pro Jahr 1.000.000 € nach </span><span style="font-family: inherit;">diesem Programm gefördertem Wagniskapital erhalten.</span></li>
</ul>
</div>
<div style="line-height: normal; min-height: 14px;">
<h3>
<div style="text-align: justify;">
<span style="font-family: inherit; font-size: small;"><br /></span></div>
<span style="font-family: inherit; font-size: small;"><div style="text-align: justify;">
<span style="font-family: inherit;">Besonderheiten:</span></div>
</span></h3>
<span style="font-family: inherit; font-kerning: none;"></span></div>
<div style="line-height: normal;">
<div style="text-align: justify;">
<span style="font-family: inherit; font-kerning: none;">3 Jahre Haltefrist</span></div>
</div>
<div style="text-align: justify;">
<span style="font-family: inherit;">Klare, glaubhafte Exit-Strategie</span></div>
<h3>
<div style="text-align: justify;">
<span style="font-family: inherit;"><br /></span></div>
<b><div style="text-align: justify;">
<b><span style="font-family: inherit;">Vorgehensweise:</span></b></div>
</b></h3>
<div style="text-align: justify;">
<span style="font-family: inherit;">Analyse, Beantragung bis zur Auszahlung übernimmt ein Finanzierungsspezialist der<a href="mailto:info@main-neckar-capitalgroup.com" rel="nofollow" target="_blank"> <b><span style="color: blue;">Main-Neckar-CapitalGroup.</span></b></a></span></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0tag:blogger.com,1999:blog-1867757542972548744.post-87619225148092793902016-08-26T05:57:00.000+02:002016-08-26T06:20:21.639+02:00FinTechs lassen die Banktürme nicht wackeln! <h2>
</h2>
<h2>
<span style="font-kerning: none;">FinTechs, das sind junge innovationshungrige Non-, Near-Banker, junge Ex-Banker und Technik-Spezialisten. </span></h2>
<h3>
<span style="font-kerning: none;">Diese Entrepreneurs konzentrieren sich auf standardisierte Anwendungen wie: </span></h3>
<span style="font-kerning: none;"><br /></span>
<br />
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Mobile Kontoführung ohne Bankschalter</b>, prominente Bespiele sind fidor Bank, oder Number26, jetzt N26.</span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Online-Vergleichsportale und die Vergabe von Privatkredit</b>. B2C Lending, hierzu zählen smava, auxmoney, Kreditech.</span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Payments</b>, neue Bezahlmodelle mit einfacher Abwicklungstechnik, wie cringle (Zahlungslösung für Transaktionen unter Freunden), BILLPAY, KlikandPay (haben jüngsten PAYMill übernommen). </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Trading & Investing</b>, das bekannteste ist Weltsparen (Online-Markplatz für Festgelder), moneymeets, Stock Pulse.</span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<h3>
<b>Erfolgreiche FinTechs haben dann 2 Optionen:</b></h3>
<ol style="list-style-type: upper-alpha;">
<li style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; margin: 0px;"><span style="font-kerning: none;">eine Übernahme durch ein etablierten Marktteilnehmer</span></li>
<li style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; margin: 0px;"><span style="line-height: normal;"></span><span style="font-kerning: none;">oder die Beantragung einer Lizenz und somit werden sie Teil der regulierten Welt</span></li>
</ol>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px;">
Jüngste Beispiele sind hier:<span style="-webkit-font-kerning: none; font-weight: normal;"></span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal;">
<span style="font-kerning: none;">zu A) die fidor Bank sie wurde von der französischen Bankengruppe BPCE im Juli 2016 übernommen</span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal;">
<span style="font-kerning: none;">zu B) Number26, jetzt N26 hat eine Banklizenz erworben (Juli 2016).</span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal;">
<span style="font-kerning: none;"><br /></span></div>
<h3>
<span style="font-kerning: none;">Wieso schaffen es die Finanzinstitute mit eigenen FinLabs nicht die Innovationen zu beschleunigen?</span></h3>
<div>
<span style="font-family: "helvetica"; font-size: 11px; text-align: justify;">Ein Grund dafür ist sicherlich, dass Bankvorstände wenig technikaffin sind und sie den Me-Too-Effekt (Nachahmungseffekt) schätzen. Zuerst mal schauen, wo die Herde hintreibt und dann mit den vorhandenen finanziellen Mitteln den Markt Leerkaufen. Nur stehen sie heute nicht mehr alleine im Wettbewerb. Anbieter wie Apple, Google, Vodafone, etc. haben das lukrative Geschäft mit FinTechs entdeckt. </span><span style="font-family: "helvetica"; font-size: 11px; text-align: justify;"> </span><span style="font-family: "helvetica"; font-size: 11px; text-align: justify;">Positiv ausgedrückt, es entsteht am Ende ein Win-Win-Effekt. FinTech Unternehmen werden für ihre Innovation finanziell belohnt und der etablierte Marktteilnehmer kauft ein „proven concept“ und gleichzeitig neue Kunden ein.</span><span style="font-family: "helvetica"; font-size: 11px; text-align: justify;"> </span></div>
<h4 style="text-align: justify;">
<span style="font-family: "helvetica"; font-size: 11px; font-weight: normal;">Allerdings entsteht zu Beginn eine asymmetrische Risikoverteilung. Der junge Unternehmer investiert nicht nur sein Know-How, Arbeitskraft sondern auch sein eigenes Geld sowie das von Familiy und Friends. Dazu kommen dann Business-Angels, Seedmoney-Investoren, Family-Offices und PE-Fonds.</span><span style="font-family: "helvetica"; font-size: 11px; font-weight: normal;"> </span></h4>
<h3>
<span style="-webkit-font-kerning: none;">Wenn es gut läuft, dann kommt eine der 2 Optionen zum Tragen, vielleicht kommt sogar 3. Option mit einem eigenen Börsengang hinzu. </span></h3>
<h3>
Im negativen Fall steht die Pleite vor der Tür. </h3>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Zur Zeit schauen sich die etablierten Marktteilnehmer in den Türmen der Finanzmetropolen rund um den Erdball die Entwicklungen an. </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<h3>
<span style="-webkit-font-kerning: none;">Aus den jüngsten Erfahrungen ist es daher ratsam sich, am Besten bereits zu Beginn, einen erfahrenen Corporate Finance Berater mit im Team zu haben, um sich richtig strategisch aufzustellen und für alle Eventualitäten gleich eine passende Antwort zu haben. </span></h3>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; font-weight: normal; line-height: normal; min-height: 13px;">
<span style="font-kerning: none;"></span><br /></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0tag:blogger.com,1999:blog-1867757542972548744.post-63418394315830332322016-08-24T05:00:00.000+02:002016-08-25T07:01:30.635+02:00Das kostenlose Girokonto gehört der Vergangenheit an<h2>
<span style="font-kerning: none;">Leistung ohne Gegenleistung, dieses Ideal hat keine Zukunft</span></h2>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="-webkit-text-stroke-width: initial; font-size: 11px;">Zuerst haben Tageszeitungen mit ihren Plus-Angeboten ihre Kunden auf ihre Abos aufmerksam gemacht.</span><span style="font-kerning: none;"></span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;"><b>Jetzt haben die Banken eine Stellschraube entdeckt, an der sie schon lange drehen wollten.</b></span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Bislang fehlten dafür objektive Parameter. Die Europäischen Zentralbank (EZB) muss jetzt herhalten.</span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<br /></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Die anhaltenden Zinssenkungen der EZB haben 2008 begonnen: die Niedrigzinspolitik der EZB. In einem weiteren Schritt der EZB müssen Geldhäuser für ihre Einlagen auf den Konten bei der Notenbank z. Zt. 0,4 Prozent bezahlen. Dieser Zins ist für das „Parken“ des Geldes bei der EZB gedacht und sollte nicht Teil des Geschäftsmodells einer Bank oder Sparkasse sein. </span></div>
<div style="-webkit-text-stroke-color: rgb(0, 0, 0); -webkit-text-stroke-width: initial; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Die Bundesbürger sind ein Volk von Sparern. Mit ca. 1,9 Billionen Euro haben sie mehr auf der hohen Kante als irgendeine andere Nation in Europa. Gespart wird immer noch auf Sparbuchkonten. Aber hier fehlt die Verbindung zum Girokonto.</span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Sind es nicht vielmehr die erhöhten Kosten, die Banken, Genossenschaftsbanken und Sparkassen im Zuge der auferlegten Regulierungsumsetzung bewältigen müssen? Diese Kosten konnten bislang in keiner Weise kompensiert werden. </span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Marktteilnehmer haben immer vor diesen hohen Kosten gewarnt. Die Regulierer stört das wenig; sie bringen eine Verordnung nach der anderen. Der Bankenmarkt wird es schon schaffen. </span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Bislang wurden Kosten über Entlassungen und Filialschließungen teilweise aufgefangen. Qualifizierte Mitarbeiter wurden vom Bankenarbeitsmarkt genommen. </span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<h3>
<span style="font-kerning: none;">Allerdings bedeuten Regulierungsverschriften keinen Einmalaufwand in der G+V.<b> </b></span></h3>
</div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(50, 51, 51); -webkit-text-stroke-width: initial; color: #323333; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Zunächst entsteht ein Aufwand zur Anpassung der IT-Systeme von MiFID II und MiFIR, bis zur Einführung im Januar 2018. Selbstverständlich werden die künftigen laufenden Kosten sich ebenfalls erhöhen. Dazu zählen u. a. die Einhaltung für Beratungs- und Telefonprotokolle und vieles mehr.</span></div>
<div style="-webkit-text-stroke-color: rgb(50, 51, 51); -webkit-text-stroke-width: initial; color: #323333; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Für die Kompensation der Kosten für die Umsetzung und Einhaltung der Regulierungsvorschriften bietet sich das Girokonto optimal an.</span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Die Aufregung über die Einführung von Kosten für das Führen von Girokonten ist jetzt groß, aber eigentlich nicht berechtigt. </span><span style="-webkit-text-stroke-width: initial; font-size: 11px;">Welche Dienstleistungsbranche bietet Dienstleistungen kostenlos an?</span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">Zwei Fliegen/Kosten mit einer Klappe/Einführung von Kontogebühren schlagen</span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<span style="font-kerning: none;"></span><br /></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; text-align: justify;">
<span style="font-kerning: none;">oder </span></div>
<div style="-webkit-text-stroke-color: rgb(35, 35, 35); -webkit-text-stroke-width: initial; color: #232323; font-family: Helvetica; font-size: 11px; line-height: normal; min-height: 13px; text-align: justify;">
<h3>
<span style="font-size: 11px;">Was nichts kostet, ist nichts wert (Albert Einstein, 1879 - 1955, Physiker).</span></h3>
</div>
<div>
<span style="font-kerning: none;"><br /></span></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0tag:blogger.com,1999:blog-1867757542972548744.post-54416257703611047982016-08-19T06:22:00.000+02:002016-08-23T11:47:58.005+02:00Bitcoin digitale Währung - Das Geld der Zukunft?<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">Definition und
Anwendungen:<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Es gibt sie schon seit ein paar Jahren. Bezahlen kann man
damit bislang vor allem in mehr als 3000 Shops im Internet. In Deutschland gibt
es die Handelsplattform Bitcoin.de. Laut Angabe auf der Internetseite: Größter
Bitcoin-Markplatz in Europa mit über 260.000 Kunden.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Wir sprechen über<b style="mso-bidi-font-weight: normal;"> </b>Bitcoin
mit der dahinter stehendenen Technologie Blockchain. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">Philosophie:<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><br /></b></div>
<div class="MsoNormal" style="text-align: justify;">
Die Bitcoin-Erfinder wollten eine Währung schaffen, die
keinen Staat mehr braucht, der sie zum gesetzlichen Zahlungsmittel erklärt, und
keine Notenbank, die die Geldmenge je nach Einschätzung der Lage ausweiten oder
verkleinern kann. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">Kryptographische
Währung oder <u>DIE</u> Formel:<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><br /></b></div>
<div class="MsoNormal" style="text-align: justify;">
Es gibt keine zentrale Stelle die Bitcoins schafft, wie das Notenbanken
bekanntlich machen. Die Entstehung ist an die Lösung bestimmter Computerrätsel
ohne weiteren Nutzen geknüpft.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Bitcoins geschöpft (Mining genannt, also „fördern“ vergleichbar
mit Gold im Bergbau), kann den Gewinn daraus vereinnahmen, die „Seigniorage“.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span>(Als Seigniorage wird
der von der Notenbank erzielte Gewinn bezeichnet, der durch die Emission von
Zentralbankgeld entsteht, das Privathaushalte halten.)<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Die Idee dabei ist, dass sich die Menge an Bitcoins nur
langsam ausweitet und es eine Obergrenze gibt. Sie liegt bei 21 Millionen
Bitcoins, allerdings teilbar in Untereinheiten ähnlich wie Cent. Experten sind
der Auffassung, dass diese Grenze 2030 erreicht ist.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Bis dahin müssen neue Definitionen geschaffen werden. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Blockchain, wie der Name schon vermuten lässt, steht für eine
Kette von Datenblöcken, diese sind über viele Rechnern verteilt. Hier entstehen
dann Protokolle, die eine Vielzahl von Kauf- und Verkaufsvorgängen
protokolieren. Bislang wird darauf verwiesen, <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
dass die hierdurch entstehenden Protokolle relativ
unanfällig gegen Manipulationen sein sollen, weil jedes Glied der Kette auf dem
vorherigen aufbaut – und man im Nachhinein keine Zahl verändern kann, ohne die
ganze Kette zu verändern. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Klingt zunächst nachvollziehbar, obwohl es schon kriminelle
Machenschaften in der jüngsten Zeit gegeben hat. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Kommt der Zurzeit erlebte Hype daher, dass diese Technik weniger
manipulierbar erscheint, oder ist die Bitcoin-Währung die Zukunft des
Zahlungsverkehrs mit der Nachvollziehbarkeit von Transaktionen auch bei
Börsenabwicklungen oder wird es bald die nächste noch sicherere Variante geben?<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Ein Vergleich von BTX hin zum Internet ist hier
möglicherweise angebracht. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Bildschirmtext</b> (kurz <b>Btx</b> oder <b>BTX</b>) war
ein interaktiver Onelinedienst, gestartet 1983/84. Er kombinierte Telefon und
Fernsehschirm zu einem Kommunikationsmittel und vom Internet komplett abgelöst
worden.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">Banken und andere
Markteilnehmer:<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Großbanken aus aller Welt erforschen die neue Technik im Konsortium
R3 CEV 42. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Die Technologie könnte für den künftigen Handel auf
Finanzmärkten Anwendung finden.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Barclays, Credit Suisse, HSBC und UBS, haben erstmals in
einem abgeschlossenen weltumspannenden Blockchain-Netzwerk Finanztransaktionen
ausgeführt. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Digital Asset Holdings, ein Unternehmen, das für alle
möglichen Finanzunternehmen Blockchain-Lösungen entwickeln soll. Beteiligte
hieran sind neben der Deutschen Börse noch zwölf weitere große Spieler wie z.B.
Goldman Sachs, BNP oder Citi. Hier sollen Abwicklungslösungen für Wertpapiertransaktionen
entwickelt und getestet werden.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Im Juli 2016 führte ATB Financial eines der ersten Real-Time
Payments der Welt von Canada nach Deutschand (Empfänger Reisebank) mit
Blockchain Technology aus, supported by SAP. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Frage des Vertrauens:<o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b><br /></b></div>
<div class="MsoNormal" style="text-align: justify;">
Kann man Bitcoin vertrauen? Dem digitalen Geld welches die
Politik und die Regulierer scheinbar noch nicht auf die Agenda gesetzt haben
und das von Notenbanken derzeit nicht oder noch nicht kontrolliert wird. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Bitcoin ist übrigens nicht die erste künstliche Währung der
Welt. Bereits 1969 hat der Internationale Währungsfonds (IWF)
Sonderziehungsrechte (Special Drawing Rigth, SDR) eingeführt. Die international
als Zahlungsmittel verwendet werden kann. Sie wird nicht an Devisenmärkten gehandelt,
sondern auf IWF-Konten wie ein Buchkredit geführt.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Vertrauen braucht eine Anlaufstelle, wo sich der Anwender auch
hinwenden kann.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Blockchain als Technologie erscheint überzeugend und wird
sicherlich technisch noch weiterentwickelt und wird dann SWIT auch überlegen werden.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 9.0pt;">(SWIT steht für Society for
Worldwide Interbank Financial Telecommunication, ist eine 1973 gegründete, in
Belgien ansässige Organisation, die den Nachrichten- und Transaktionsverkehr
von weltweit mehr als 10.000 Banken über sichere Telekommunikationsnetze (das
SWIFT-Netz) standardisiert. Sie ist eine Genossenschaft im Besitz der Banken
und dem EU-Recht unterworfen.)<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b style="mso-bidi-font-weight: normal;">Vertrauen für die
breite Masse zu schaffen, dafür hat die zweite künstliche Währung noch Luft
nach oben. <span style="mso-spacerun: yes;"> </span><o:p></o:p></b></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
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<br /></div>
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Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.com0Frankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-192462098910990542016-08-17T06:14:00.001+02:002016-08-20T10:52:43.014+02:00Was hat das deutsche Bankensystem mit seinen 3 Säulen und die Akropolis mit ihren 46 Randsäulen gemeinsam?<b>
Am Montag 15. August 2016 hat
Bankenpräsident des BdB, Hans-Walter Peters in der Frankfurter Allgemeinen
Zeitung gesagt:<span style="text-align: justify;"> </span></b><br />
<span style="text-align: justify;"><br /></span>
<br />
<div class="MsoNormal" style="text-align: justify;">
„Es werde zunächst innerhalb der
Säulen zu Zusammenschlüssen kommen. Peters schloss aber auch
grenzüberschreitende Fusionen nicht aus.“<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br />
Diese These ist nicht neu (viele
Investmentbanker haben es vor der Krise auch immer wieder versucht) wird aber
durch viele Umstände wie Kostendruck / Regulierungswahn und Niedrigzinspolitik
befeuert.</div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b><br /></b></div>
<b>
Die eigentliche Veränderung kommt
vermutlich allerdings durch die FinTechs.</b><br />
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
FinTechs reisen Mauern und Säulen
ein, sind innovativ und für Kunden / Anwender in ihrer Handhabung einfach. </div>
<b><br /></b>
<b>
Die Modelle zu Banken
unterscheiden sich in einigen Fällen gravierend.<span style="text-align: justify;"> </span></b><br />
<div class="MsoNormal" style="text-align: justify;">
<br />
Kreditplattformen z.B. verlagern
das Ausfallrisiko direkt auf ihre Investoren.</div>
<div class="MsoNormal" style="text-align: justify;">
Bei Banken sind es die Anteilseigner,
die Einlageninhaber, der Staat oder die Rettungsfonds.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Im Zahlungsverkehr nutzen sie die
neuen Techniken der Smartphones, z. B. Near Field Commication (NFC) oder Blockchain
Technology. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
ATB Financial führte eines der
ersten Real-Time Payments der Welt von Canada nach Deutschand (Empfänger Reisebank)
mit Blockchain Technology, supported by SAP im Juli 2016 aus. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<b>
Erste signifikante Entwicklungen
und grenzüberschreitende Transaktion in der Branche haben bereits stattgefunden:
</b><br />
<b><br /></b>
<br />
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
Die französische Bankengruppe
BPCE übernimmt die Münchener Internetbank Fidor im Juli 2016.</div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Wirecard kooperiert mit Alipay,
dem größten chinesischen e-commerce Anbieter (400 Millionen User) und bietet Chinesischen
Gästen eine vertraute Abwicklung in Deutschland an. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Mit der <b>Banklizenz</b> seit
Jul 2016 heißt Number26 nur noch <b>N26. </b><span style="mso-bidi-font-weight: bold;">Vom FinTech jetzt zu FinTech mit Banklizenz.</span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Die solarisBank hat sich als Plattformbank
B2B positioniert und bietet FinTechs ihre Leistungen an. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Künftig werden die FinTechs viel
mehr Aufgaben übernehmen. Stichworte wie Robo Advisor oder die
Zahlungsdiensterichtlinie (PSD) werden neue Marktteilnehmer schaffen und die
Geschäftsmodelle der Finanzinstitute verändern. Banken werden, wie solarisBank
zu Plattformanbietern für einzelne Core-Bereiche. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Weitere FinTechs stehen in den
Startlöchern. Der Brexit wird auch UK-FinTechs nach Deutschland bringen. Die
Positionierung der Städte Frankfurt und Berlin ist im vollem Gange.</div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Bevor die 3 Säulen einstürzen könnten,
werden sich die Geschäftsmodelle einzelner Bankanbieter ändern, ja ändern müssen.
Um im Bild der Akropolis zu bleiben, die Eingangshallen werden leerer werden
und zu FinTech-Parks und einzelne Randsäulen werden an die Steinzeit des
Bankings erinnern. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<b>FinTechs werden künftig ein neues Segment
an den Börsen bilden. </b><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Konzentration innerhalb der
Säulen also aufgrund von Kostendruck und nicht einhergehend mit neuen Modellen.
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Neue schlanke Modelle entwickeln im
Moment nur die Fintechs und die gehören zu keinem der 3 Säulen.</b></div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.comFrankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-58013887823365898222016-08-16T05:41:00.000+02:002016-08-20T10:54:15.609+02:00Am 17. August 2016 wird Paydirekt seit 365 Tagen auf dem Markt sein<h2>
Im Sternzeichen des Löwen „geboren“ feiert Paydirekt seinen
ersten Geburtstag.</h2>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<b>Der Vergleich:</b></div>
<h3>
Paydirekt</h3>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
140 Händler, davon ein Top 50 Händler<o:p></o:p></div>
<div class="MsoNormal">
530.000 Registrierungen<o:p></o:p></div>
<div class="MsoNormal">
450 Transaktionen pro Woche (Sparkasse)<o:p></o:p></div>
<div class="MsoNormal">
ca. 3. bis 5 Millitnen Euro Payment-Umsatz<o:p></o:p></div>
<div class="MsoNormal">
Quelle: FAZ.net<o:p></o:p></div>
<h4>
PayPal</h4>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
188 Millionen aktive Konten weltweit<o:p></o:p></div>
<div class="MsoNormal">
16 Millionen Konten in Deutschland<o:p></o:p></div>
<div class="MsoNormal">
270 Transaktionen pro Sekunde<o:p></o:p></div>
<div class="MsoNormal">
282 Mrd. USD Paymentvolumen (Stand: 2015)<o:p></o:p></div>
<div class="MsoNormal">
Quelle: PayPal<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Jahrelang haben die Banken, Genossenschaftsbanken und
Sparkassen die Entwicklung von PayPal intensiv verfolgt und plötzlich, so hat
man den Eindruck, stellen sie eine eigene Abwicklungsplattform entgegen. Das nennt
man intensive Markbeobachtung. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Die Zahlungsverkehrsabwicklung immer eines der früheren sogenannten
Kernbereiche von Banken, Genossenschaftsbanken und Sparkassen. Isoliert
betrachtet scheinbar schon lange nicht mehr profitabel. Die Sparte generiert kleine
Provisionen. Händlerprovisionen konnten bislang nicht im signifikantem Maß
erzielt werden. Ein Problemfeld für die
Anbieter. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Jetzt die Gegenreaktion mit Paydirekt? Das Provisionsgeschäft mit Händlern bislang noch keine nachhaltige Einnahmequelle im E-Commerce-Business für die 1.500 angeschlossenen Institute. Das erste Jahr war für Paydirekt sicherlich sehr ernüchternd. </div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Hinzu kommt, dass sich der Markt weiter im Umbruch / Konsolidierung
befindet. <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
So hat im Juli dieses Jahres z.B. Klik&Pay eine
Schweizer Online Payment Plattform, Brand der CYBERservices SA, die Münchener
Paymill Company gekauft. <span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<b>Ein Löwe im Online-Bezahlsystem-Markt wird Paydirekt so schnell
nicht. </b><o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.comFrankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-87797360426178612562016-08-14T13:13:00.000+02:002016-08-20T10:57:10.868+02:00Warum brauche ich als Startup oder gestandener Unternehmer einen Unternehmensbeirat?<div class="j-module n j-header " id="cc-m-8493419394" style="color: #5a5a5a; font-family: 'Open Sans';">
<span style="text-align: justify;"><span style="font-size: large;">An der Spitze ist es oft einsam...</span></span><br />
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<span style="text-align: justify;">Mit wem bespricht sich ein Geschäftsführer, wenn er sich bezüglich strategischer Weichenstellungen nicht sicher ist, ohne Schwäche zu zeigen und Unruhe im Team zu verbreiten? Wer hinterfragt die Ideen und Entscheidungen eines Geschäftsführers konstruktiv kritisch und auf Augenhöhe?</span></div>
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Viele Geschäftsführer, insbesondere die alleinigen geschäftsführenden Gesellschafter, müssen ihre teilweise unternehmenskritischen Entscheidungen ganz alleine treffen. Nicht immer fühlen sie sich dabei wohl und nicht immer werden dabei die besten Entscheidungen getroffen. Offenbar fehlt eine wichtige Instanz.</div>
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Ein Unternehmensbeirat, der den Unternehmer konstruktiv beratend begleitet und die zu treffenden Entscheidungen und ihre Auswirkungen kritisch beobachtet, schließt diese Lücke und ist für den Unternehmer ein wertvoller Sparringspartner. Das Know-How eines unabhängigen Experten fließt somit gezielt in die Arbeit des Geschäftsführers ein.</div>
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Wieso brauchen Startups und Mittelstandsunternehmen einen Aufsichtsrat oder einen Unternehmensbeirat:</h4>
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Gerade beim Aufbau einer Gesellschaft und dem Finden des richtigen Business Modells, in unternehmerischen Ausnahmesituationen wie Krisenmanagement, Liquiditäts-Engpässen, dem Aufbau neuer Geschäftsfelder oder Veränderungen im Managementeam, benötigen Entscheider erfahrene, kompetente und unabhängige Ratgeber. Gleiches gilt auch für strategische Themen im Rahmen des Business Developments. Die Einbindung von Aufsichts- und Beiräten ist daher vermehrt auf konkrete unternehmerische Aufgaben und Ziele fokussiert.</div>
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Heute schon verfügen über 50% der Familienunternehmen über einen Beirat, wobei fast jedes zweite Gremium nicht nur beratende Tätigkeiten übernimmt, sondern die Unternehmen auch kontrolliert und wichtige Entscheidungskompetenzen hat. Tendenz steigend!</div>
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Gute Beiräte handeln aber auch als Bindeglied zwischen Generationen, als Mittler bei Konflikten innerhalb inhabergeführter Unternehmen oder als Koordinator bei divergierenden Einschätzungen zwischen Gesellschaftern und Fremdgeschäftsführern. In diesem Kontext wird klar, wie anspruchsvoll die richtige Besetzung von Beiratsmandaten ist. Die Berufung muss den Anforderungen des Unternehmens und seiner Gesellschafter entsprechen und es dürfen keine fremden Interessen, Gefälligkeiten, zufällige Verfügbarkeiten oder ähnliches Einfluss auf die Berufung haben.</div>
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<span style="font-size: large;">Unternehmensbeirat – Beirat mit aktiver Beratungsfunktion</span></h2>
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<li style="line-height: 20px; text-align: justify;"><span style="font-weight: 700;">Manfred R. Elsner </span>verfügt hierzu über Erfahrungen als Managing Director bei einer Investmentbank. Im Corporate Finance Geschäft, bei der Neustrukturierung von Geschäftsmodellen. Der Mehrwert besteht darin, indem er praktische und umsetzbare Lösungen ausarbeitet und mit den Entscheidungsträgern von Prinzipal zu Prinzipal diskutiert</li>
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<li style="line-height: 20px; text-align: justify;">Dynamische, sich ständig verändernde Märkte, immer komplexer werdende Vorgaben und ein mehr als voller Terminkalender zwingen die Prinzipals und Entscheidungsträger von Mittelstandsunternehmen und FinTechs förmlich dazu, sich von kompetenter Stelle unterstützen zu lassen</li>
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<li style="line-height: 20px; text-align: justify;">Immer öfter ist<span style="font-weight: 700;"> Manfred R. Elsner </span>erster Ansprechpartner der Entscheider in wichtigen Business Development Entscheidungen , M&A Vorhaben und Finanzierungsfragen, beim Finden von alternativen Ansätzen für Beteiligungskapital und bankenunabhängigen Finanzierungen</li>
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<li style="line-height: 20px; text-align: justify;"><span style="font-weight: 700;">Manfred R. Elsner</span> übernimmt Verantwortung im Unternehmensbeirat – Beirat mit aktiver Beratungsfunktion</li>
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<li style="line-height: 20px; text-align: justify;"><span style="font-weight: 700;">Manfred R. Elsner </span>verfügt im Rahmen seiner Aufgabe als Unternehmensbeirat – Beirat mit aktiver Beratungsfunktion über ein auf das jeweilige Unternehmen geeignetes und ergänztes Beratungsmodell. Er steht der Geschäftsführung mit seinem Know How mindestes 8 Stunden oder einem Beratungstag pro Monat zur Verfügung. Es gilt das Leistungsverzeichnis der <a href="http://www.main-neckar-capitalgroup.com/main-neckar-capitalgroup/leistungsverzeichnis-der-main-neckar-capitalgroup/" style="-webkit-transition: border 0.15s ease-in-out, background, color; color: black; outline: 0px; text-decoration: none; transition: border 0.15s ease-in-out, background, color;">Main-Neckar-Capitalgroup. </a></li>
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<li style="line-height: 20px; text-align: justify;"><span style="font-weight: 700;">Manfred R. Elsner kann sich dem gesamten Netzwerk von <a href="http://www.main-neckar-capitalgroup.com/" target="_blank">Main-Neckar-CapitalGroup</a> bedienen</span></li>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.comFrankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269tag:blogger.com,1999:blog-1867757542972548744.post-70772917035942862112016-08-13T11:54:00.001+02:002016-08-21T06:35:35.292+02:00Mein erster Post über Main-Neckar-CapitalGroup unseren neuen Unternehmesblog<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHGLSUAVfFOAbv7EtqhmAgU7pN-IYVForvqSZzn98NoP8pkFR8ql8M13XDZ9xPn0CJAr633KVIVGm7BXElTi-vmTehKGWNBUowhZJ_kHk8Q72wqF4Um1-U5NfwT0g7Haa305UZwQB0D0cT/s1600/10854936_520965691376972_3830375200367500576_o.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="162" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHGLSUAVfFOAbv7EtqhmAgU7pN-IYVForvqSZzn98NoP8pkFR8ql8M13XDZ9xPn0CJAr633KVIVGm7BXElTi-vmTehKGWNBUowhZJ_kHk8Q72wqF4Um1-U5NfwT0g7Haa305UZwQB0D0cT/s320/10854936_520965691376972_3830375200367500576_o.jpg" width="320" /></a></div>
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<span style="color: #993366;">Unabhängige und inhabergeführte Corporate Finance Beratungs Boutique</span></h4>
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<span style="color: #993366;"><span style="font-weight: 700;">Main-Neckar-CapitalGroup (MNCG)</span></span></div>
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Kurzprofil:</h4>
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<a href="http://www.main-neckar-capitalgroup.com/" target="_blank">Main-Neckar-CapitalGroup</a> ist eine unabhängige und inhabergeführte Corporate Finance Beratungs Boutique in Frankfurt am Main</div>
<div style="color: #5a5a5a; font-family: 'Open Sans'; font-size: 15px; margin-bottom: 10px; text-align: justify;">
Unsere Corporate Finance Beratung wird durch ein umfangreiches Angebot von unabhängigen Finanzierungs- und Dienstleistungspartnern ergänzt. Unser Kunde hat einen Ansprechpartner auf PartnerEbene bei der Main-Neckar-CapitalGroup; dieser koordiniert alle Leistungen der NetzwerkPartner. Diese ausgesuchten NetzwerkPartner stellen hierzu ihr Know How, ihre Produkte und ihre angebotenen Dienstleistungen dem gemeinsamen Kunden zur Verfügung. Durch diese sich ergänzenden Kompetenzen entsteht eine Win-Win-Situation für unsere Kunden und unsere NetzwerkPartner.</div>
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NewsLetter:</h4>
In unserem täglichen und kostenlosen <a href="http://www.mncg-network.com/" target="_blank">NewsLetter </a>veröffentlichen wir aktuelle Themen über: </div>
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Brexit, Business Intelligence, Corporate Finance, FinTech, Mittelstand4.0, UnternehmensBeirat und aktuelle NEWS aus Politik, Technik, Bildung und Sport. </div>
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Künftig werden wir hier zu aktuellen Themen, insbesondere zu den Themen unseres täglichen Newsletters Beiträge verfassen. </div>
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Viele Grüße und schönes Wochenende </div>
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Ihr </div>
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Manfred R. Elsner</div>
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Anonymoushttp://www.blogger.com/profile/15492322566827555309noreply@blogger.comFrankfurt am Main, Deutschland50.1109221 8.682126700000026249.7851336 8.0366797000000254 50.436710600000005 9.3275737000000269