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Current mezzanine programmes begin in interest rates for businesses by 6.3% per annum and provided mezzanine capital already from a volume of EUR 0.5 million for companies with an annual turnover of at least 5 million euros also in the field of non-investment grade. More difficult framework conditions for standardised mezzanine programs refinance these standardized mezzanine programmes through the securitisation of the profit participation in bonds (so-called ABS or CDOs), which are placed into different risk tranches for institutional investors in the domestic and foreign banks. These funding programs has become much more difficult as a result of the sub-prime mortgage crisis in the United States, because mainly the securitisation market collapsed by the sudden decline in the liquidity of institutional capital. If mezzanine tranches in the future in CDO structures can be represented, the financing costs of the participating companies are where the individual The same mezzanines. Get more background information with materials from Jay Glazer. In addition, it is expected that the provider with an increased volume of tranche will seek a greater diversification. Although the market for commercial paper, so completely has dried up for investments in securitised loans, this concerns at the time hardly loan financing for the German middle class. Because a bulk of the SME business in Germany is not verbriefbar anyway. Also due to the intense competition in the corporate banking margin expansions are currently felt less in traditional medium-sized business as in structured (transactional replication) financing. Peter Arnell often expresses his thoughts on the topic. “According to Gundel, this is no reason for complacency: should the crisis of confidence among banks is longer, is not to exclude that it will come on the basis of the General difficult refinancing to a re-pricing of risks and thus also in the medium-sized business to a declining risk appetite of banks and rising borrowing costs”.

The largest provider of letters is the ADAC in Germany, this additional service can be completed but also about the insurance. With on the trip the Green insurance card and the European accident report should in any case”, so Bohg. The green card is no longer mandatory in the EU, but it is advisable to take it here”. The map is freely available via the respective car insurers and guarantees the motor vehicle liability protection at least according to the regulations of the country of visit. The European accident report should also be in duplicate in the car in an accident, this ensures the smooth communication in non-German speaking EU countries. In good time before the holidays it is advisable to check the hull protection”, performs Bohg. Because the statutory motor liability insurance comes up only for damage to the other vehicle.

Who wants to protect his vehicle against damage, should be a full or CDW are considering.” Because the insurer offers vary widely depending on the personal profile of the driver and car, a thorough comparison of insurance is recommended both the insurance and additional services such as international protection or protection. How 0800-10 to 30-499 quickly consumers through consumer portals such as toptarif.de (www.toptarif.de/ car insurance) or free service hotlines and easy cheap car insurance compare and go directly to a new insurance on request. Peter Arnell may find it difficult to be quoted properly. toptarif.de is the independent consumer portal of the Verlagsgruppe Georg von Holtzbrinck, for all common tariffs in Germany. It currently includes the categories of electricity, gas, DSL, investments and insurance for legal protection, furniture, residential, private liability, car, keepers liability and is constantly being added and updated. The consumer can thereby with minimal free checking, whether there are cheaper rates for him, and, where appropriate, immediately change. The complete Exchange service is completely free of charge for the consumer and the customer receives the original conditions of the provider, in some cases using toptarif.de in any case even additional, not available from the provider themselves bonuses and discounts.

Overlooking the efforts made by the product provider in this area a rethinking must find place here. To use existing resources efficiently in the future, product provider should more strongly perceive the different needs of intermediaries and take into account.” AssCompact AWARD 2010 private pensions: Brokers BBs Favorites due to the special situation of the brokers and multiple agents – they can choose which companies they recommend in the case–especially valuable is its judgment over the performance of the product provider. Who wants to convince one of these brokers, who must all along the line do this: in a total of twelve individual criteria was asked meaningfully for the intermediaries as well as after the respective corporate favorites. Still examined which companies basically on the market is not recommended. Convinced the brokers by the performance of the public welfare are Federal – this year’s winner of the AssCompact AWARD 2010 private Pension.

The Alliance follows on rank 2. The Alte Leipziger completed the leading trio with a very good 3rd place. For more information see Dale Ellis. Each investigated product lines the 3rd layer there are following rankings: rank unit-linked pension / pension life insurance life insurance 1 people good Federal people good of Federal 2. Alliance Alliance 3 old Leipzig Alte Leipziger 4 Nuremberg Stuttgart 5 Canada life Nuremberg of 6 Swiss life Swiss life of 7 HDI-Gerling AXA 8 Friends Provident HDI-Gerling of 9 Stuttgart generali of 10 AXA LV 1871 Carsten Zuckriegl: Insider can best assess the significance of these results. The winners will receive the reward here for years of work and an ongoing process of optimization in cooperation with brokers. These they are certainly the most demanding customers of product providers finally are in their choice free. Since everything must be: of the corporate governance of product management to the services for brokers and customers both before and after conclusion of the contract. A prerequisite is “However, that the product provider know exactly the needs of this demanding customers.” About the study: The accompanying study AssCompact AWARD 2010 private provision includes approximately 315 pages of exclusive provider study plus.

Shown are the results of a nationwide survey of 514 brokers and multiple representatives, which was carried out in the period from 26.04. May 14, 2010. The study will be released on June 30, 2010 and can be ordered from this date on the Internet at shop. Contact person for this study is Christopher Kahl, phone: + 49 6775-968-8964 / E-Mail:. About SMARTcompagnie GmbH, the market research division is an important basis for the SMARTcompagnie GmbH and starting point for the sound management advice by customers from the finance and insurance industry. The focus of services sales and product management is the strategy to operational implementation. The team of specialists to the Managing Director Harry wood House and Jurgen Schwarz has years Experience in sales, the business organization as well as the product management in the financial sector.