Aufsätze Ökonomik

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Prof. Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.

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Exclusion marking, definition of banned miles, agreement on exclusion zones, sometimes also redlining, as in English

Banks and insurance companies do not offer their services at all in a geographical area or only at greatly increased fees. This refers mainly to detoriated residential areas in large cities, which are usually marked with a red line on the map (the refusal of financial firms to extend credit to, lend to, insure, or otherwise assume some financial risk or endagering employees in a high-risk geographical area, usually a declining inner-city quarter). Institutions generally have difficulty attracting staff at all to these neighborhoods, let alone female staff, because harassment of all kinds is common there. Also, the social stratification of the inhabitants of these areas – mostly welfare recipients and ethnic minorities – makes it impossible to be in the black. Redlining has been repeatedly criticized by politicians and do-gooders of all kinds (professional do-gooder, starry-eyed idealists, romantic philanthropists). They even demanded that institutions be forced by law to set up branches in problem quarters (urban areas in difficulties). However, it is certainly not the task of banks to provide social welfare services at the expense of their customers. Rather, it is a core task of politics to create conditions in these neighborhoods that enable normal, unhindered banking activities. – See Elephant, white.

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University Professor Dr. Gerhard Merk, Dipl.rer.pol., Dipl.rer.oec.
Professor Dr. Eckehard Krah, Dipl.rer.pol.
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