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Die finanzielle Lage vieler Kommunen in Deutschland spitzt sich dramatisch zu. In den Jahren 2007 bis 2011 ist die Gesamtverschuldung der Städte und Gemeinden von 111 auf 130 Milliarden Euro gestiegen. Das eigentlich Bedrohliche daran: Für diesen Anstieg sind überwiegend höhere Kassenkredite verantwortlich. Diesen Krediten stehen keinerlei Werte oder Investitionen gegenüber. Das geht aus dem Kommunalen Finanzreport 2013 der Bertelsmann Stiftung hervor. Die Stiftung spricht sich deshalb dafür aus, ähnlich wie für die Landeshaushalte auch für Kommunen eine Schuldenbremse zu erlassen. Die Höhe der Kassenkredite ist rasant gewachsen: 2007 machten die Kassenkredite mit 29 Mrd. Euro ein Viertel der kommunalen Gesamtschulden aus. Bis Ende 2011 sind die Kassenkredite um über die Hälfte auf 44 Mrd. Euro angestiegen, was knapp 34 % der Gesamtverschuldung bedeutet. Kassenkredite gelten als Kern der kommunalen Finanzkrise, weil sie ausschließlich der Liquiditätssicherung dienen. Sie wurden zum Symbol der zunehmenden Handlungsunfähigkeit der Städte und Gemeinden, da mit steigenden Kassenkrediten auch der Raum für Investitionskredite und damit Bau und Instandhaltung von Straßen, Schulgebäuden und sonstiger städtischer Infrastruktur enger wird. Zudem schwebt neben dem vorhersehbaren Anstieg der Pensionslasten eine mögliche Erhöhung des Zinsniveaus wie ein Damoklesschwert über den Kommunen. Derzeit profitieren die verschuldeten Städte und Gemeinden von den äußerst niedrigen Zinsen. Das Zinsniveau des Jahres 2001 zu Grunde gelegt, wären die Zinsausgaben jährlich 2,5 Mrd. Euro höher als heute. Das Defizit in den kommunalen Haushalten hätte sich fast verdoppelt. Die Kassenlage der Kommunen unterscheidet sich von Bundesland zu Bundesland erheblich. In Sachsen – das einzige Bundesland, dessen Kommunen die Kassenkredite zwischen 2007 und 2011 spürbar reduzieren konnten – beträgt die kommunale Verschuldung durch Kassenkredite 13 Euro pro Einwohner. Am anderen Ende der Skala befindet sich das Saarland: Dort liegt die Pro-Kopf-Verschuldung mit Kassenkrediten bei 1.754 Euro. Während die Kommunen in Bayern, Baden-Württemberg, Sachsen und Thüringen neue Kredite fast ausschließlich für Investitionen aufnehmen, wachsen im Saarland, in Nordrhein-Westfalen, Hessen und in Rheinland-Pfalz die kommunalen Kassenkredite stetig. Mit Folgen: In NRW und dem Saarland etwa liegen die kommunalen Bauausgaben mittlerweile ein Drittel unter dem Bundesdurchschnitt. Die Unterschiede zwischen den Bundesländern spiegelt auch das Verhältnis zwischen Schulden und Finanzvermögen, das im Wesentlichen aus Bareinlagen und Anteilsrechten an Beteiligungen besteht: Einzig in Baden-Württemberg übersteigt das Finanzvermögen der Kommunen das Volumen der Kredite. Besonders ungesund ist das Verhältnis im Saarland, wo die Verschuldung mehr als 9 Mal höher als das Finanzvermögen ist.
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El objetivo de ExaRedes de Negocios ExaUDEM es establecer lazos con compañeros ExaUDEM que tienen negocio propio, para intercambiar talento y formar alianzas estratégicas. Además de fortalecer el networking entre los Exalumnos, a través de la publicación gratuita de los negocios. Es importante mencionar que la UDEM no es aval de los negocios aquí publicados. Comunidad Virtual ExaUDEM Centro de Relación con Exalumnos Universidad de Monterrey | UDEM exalumnos@udem.edu.mx 8215-1187
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Die finanzielle Lage vieler Kommunen in Deutschland spitzt sich dramatisch zu. In den Jahren 2007 bis 2011 ist die Gesamtverschuldung der Städte und Gemeinden von 111 auf 130 Milliarden Euro gestiegen. Das eigentlich Bedrohliche daran: Für diesen Anstieg sind überwiegend höhere Kassenkredite verantwortlich. Diesen Krediten stehen keinerlei Werte oder Investitionen gegenüber. Das geht aus dem Kommunalen Finanzreport 2013 der Bertelsmann Stiftung hervor. Die Stiftung spricht sich deshalb dafür aus, ähnlich wie für die Landeshaushalte auch für Kommunen eine Schuldenbremse zu erlassen. Die Höhe der Kassenkredite ist rasant gewachsen: 2007 machten die Kassenkredite mit 29 Mrd. Euro ein Viertel der kommunalen Gesamtschulden aus. Bis Ende 2011 sind die Kassenkredite um über die Hälfte auf 44 Mrd. Euro angestiegen, was knapp 34 % der Gesamtverschuldung bedeutet. Kassenkredite gelten als Kern der kommunalen Finanzkrise, weil sie ausschließlich der Liquiditätssicherung dienen. Sie wurden zum Symbol der zunehmenden Handlungsunfähigkeit der Städte und Gemeinden, da mit steigenden Kassenkrediten auch der Raum für Investitionskredite und damit Bau und Instandhaltung von Straßen, Schulgebäuden und sonstiger städtischer Infrastruktur enger wird. Zudem schwebt neben dem vorhersehbaren Anstieg der Pensionslasten eine mögliche Erhöhung des Zinsniveaus wie ein Damoklesschwert über den Kommunen. Derzeit profitieren die verschuldeten Städte und Gemeinden von den äußerst niedrigen Zinsen. Das Zinsniveau des Jahres 2001 zu Grunde gelegt, wären die Zinsausgaben jährlich 2,5 Mrd. Euro höher als heute. Das Defizit in den kommunalen Haushalten hätte sich fast verdoppelt. Die Kassenlage der Kommunen unterscheidet sich von Bundesland zu Bundesland erheblich. In Sachsen – das einzige Bundesland, dessen Kommunen die Kassenkredite zwischen 2007 und 2011 spürbar reduzieren konnten – beträgt die kommunale Verschuldung durch Kassenkredite 13 Euro pro Einwohner. Am anderen Ende der Skala befindet sich das Saarland: Dort liegt die Pro-Kopf-Verschuldung mit Kassenkrediten bei 1.754 Euro. Während die Kommunen in Bayern, Baden-Württemberg, Sachsen und Thüringen neue Kredite fast ausschließlich für Investitionen aufnehmen, wachsen im Saarland, in Nordrhein-Westfalen, Hessen und in Rheinland-Pfalz die kommunalen Kassenkredite stetig. Mit Folgen: In NRW und dem Saarland etwa liegen die kommunalen Bauausgaben mittlerweile ein Drittel unter dem Bundesdurchschnitt. Die Unterschiede zwischen den Bundesländern spiegelt auch das Verhältnis zwischen Schulden und Finanzvermögen, das im Wesentlichen aus Bareinlagen und Anteilsrechten an Beteiligungen besteht: Einzig in Baden-Württemberg übersteigt das Finanzvermögen der Kommunen das Volumen der Kredite. Besonders ungesund ist das Verhältnis im Saarland, wo die Verschuldung mehr als 9 Mal höher als das Finanzvermögen ist.
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