haku: @indexterm Loans / yhteensä: 417
viite: 122 / 417
| Tekijä: | Schirmeister, R. |
| Otsikko: | Effektivverzinsung oder Tranparenzgebot - ein Dilemma zwis- chen Zinsmodell und Rechtsnorm |
| Lehti: | Zeitschrift für Betriebswirtschaft
1999 : VOL. 69:7, p. 715-728 |
| Asiasana: | BANKING LOANS INVESTMENTS |
| Kieli: | ger |
| Tiivistelmä: | In No 4/1998, in answer to the question of the title "Do Banks Charge Their Borrowers Too Much?" Van der Boon, Van der Grift and Rijnvos present an expansion of the common interest formula. The point of reference is a decision by the Federal Supreme Court (BGH) concerning the methodology and transparency of interest calculation clauses in loan agreements. At issue in this is the admissibility of apply- ing sub-annual (less than a year) simple rate of interest, as affirmed by the BGH, even though its methodological dubiousness has been known for at least 400 years. Intrinsi- cally the BGH justifies its decision from the perspective of creditor and his reinvestment problems when there are pre- mature debt services by the debtor. |
SCIMA