Bücher von Michael Schröder

Die Sehnsucht nach Patagonien, sie wurde immer größer: Über 30 Jahre nach seiner ersten Motorradreise durch den wilden Süden von Chile und Argentinien bricht Michael Schröder, Redakteur der Zeitschrift Motor Klassik, auf, um noch einmal im Sattel eines Motorrads dieses windzerzauste Ende der Welt zu bereisen. Drei Monate und 16000 Kilometer ist er unterwegs, durch Regenwälder, vorbei an aktiven Vulkanen, an gewaltigen Gletschern und einzigartigen Gebirgs- und Steppenlandschaften. Als er schließlich Ushuaia, die südlichste Stadt der Welt, erreicht, ist er längst wieder dem rauen Charme Patagoniens mit seiner majestätischen Natur, seiner grenzenlosen Weite und seinem ewigen Wind erlegen. Mit seinen Texten und Bildern hat Michael Schröder jetzt eine Liebeserklärung an die Südspitze des amerikanischen Doppelkontinents verfasst, die mit ihrem ausführlichen Infoteil auch Gebrauchsanweisung ist: Dieses Buch soll zum Nachfahren animieren, zu einer Reise an das schönste Ende der Welt.

Usury is the historical denomination of interest rate restrictions. The principle of Usura in the Roman ius communis as well as in canonic law started from the assumption that money lent from others should not bear interest. This is because unless the creditor could prove that the withhold of money caused him damage, money could not create fruits. While the upcoming trade economy developed the idea that the elapsed time between the claim and its fulfillment should be priced with interest, a second principle of interest limitation became important: the laesio enormis: interest rates should be limited to the double of the average. Since consumer credit has spread into the market economy and become a major source of allocating future income to present needs (extended mainly by rationally acting banks), both principles have lost of their impact onto the credit market. But a number of member states have newly introduced rate ceilings. With the financial crisis, the discussion whether interest rates in consumer credit needs more regulation gathered momentum. The present study was commissioned by DG Internal Market. It has two parts: a socio-legal analysis of all forms of direct and indirect limitations for the pricing of credit by the Institute for Financial Services (iff) in Hamburg and an economic part investigating the effects of such restrictions to the consumer credit market by the Center for European Economic Policy (ZEW) in Mannheim. Prof. Dr. Udo Reifner is professor of commercial law at Trento University and research director of the iff. Prof. Dr. Michael Schroeder is professor for Asset Management at the Frankfurt School of Finance & Management and head of the research on \"International Financial Markets and Finance Management¿ at ZEW.

Originally presented as the author's thesis (doctoral)--Universit'at Mannheim, 1990.