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The German Banking Industry Committee〔The German "Die Deutsche Kreditwirtschaft " is literally ''The German Services Sector'' / ''The German Banking Industry'' (the German word "-wirtschaft" is an abstract so the definite article "Die" / ''The'' needs to be part of the official title). As for English publications the hybrid term "German Banking Industry Committee" is used, even with its own abbreviation GBIC, see for example the 2012 update of the 〕 (German Die Deutsche Kreditwirtschaft / DK) is an industry association of the German banking industry. Its decisions are held normative for the national banking sector – either directly by interbank treaties or indirectly by preparing a corresponding ministerial or Bundesbank decision. The association has been known as the Central Credit Committee〔"Central Credit Committee" is the official English name used in publications of the ZKA〕 (German Zentraler Kreditausschuss / ZKA) until August 2011 when it adopted a new name (after almost 80 years).〔http://www.die-deutsche-kreditwirtschaft.de/dk/die-deutsche-kreditwirtschaft.html〕 == Structure == The Central Credit Committee was founded in 1932 as a common interest group of the five federal interest groups that represent the financial sector in Germany. The five founding associations are * Bundesverband der Deutschen Volksbanken und Raiffeisenbanken (''Federal Association of German 'Volksbanken und Raiffeisenbanken' Co-operative Banks'' - the credit unions) * Bundesverband deutscher Banken (''Federal Association of German Banks'' - the private banks) * Bundesverband Öffentlicher Banken Deutschlands (''Federal Association of Public Banks in Germany'' - the regional / state banks) * Deutscher Sparkassen- und Giroverband (''German Association of Giro and Savings Banks'') * Verband deutscher Pfandbriefbanken (''Association of German Bond Banks'') By indirection of these associations the Central Credit Committee represents 2300 financial institutions (2005). The Committee itself is no institution - it is neither registered nor does it have a postal address. Instead the formal location of the Committee is bound the committee presidency that changes annually rotating among the private banks, savings banks and cooperative banks association. The Central Credit Committee resolves "common statements" (decided unanimously) representing the view of the German banking industry on a topic. The statements are published thereby influencing decisions of other institutions like the Federal Financial Supervisory Authority (Germany), the Bundesbank or decision-making bodies of the European Union. Publication and press releases are the main task of the presiding association. Additionally the Central Credit Committee supervises joint committees of the German banking industry like the Central Competition Committee (Zentrale Wettbewerbsausschuss) or the Working Group on automatic teller machines. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「German Banking Industry Committee」の詳細全文を読む スポンサード リンク
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