Welcome to the professional website of Hans-Joachim (Achim) Dübel, doing business as Finpolconsult.
I am an international consultant in housing, mortgage, related insurance, contractual savings for housing and mortgage capital markets. I do sector analysis, policy design, investment reconnaissance and business consulting based on over 30 years of work experience in over 50 countries worldwide.
My business philosophy is to provide strictly independent advice to governments, housing and housing finance policy institutions, international organizations, and the private sector in a policy. I seek to rationalize the discussion and search for solutions in a business environment often dominated by special interests, complex politics and related conflicts.
For this end I combine mathematical-statistical analysis, economic and financial analysis, legal and regulatory and policy analysis tools and so am able to offer a comprehensive response to issues at hand in these sectors, whether as single consultant, team leader or specialist within a team.
I am also a political person with a track record of crisis management and mediation in areas such as financial regulation or consumer protection. During the Great Financial Crisis from my angle as a mortgage sector specialist as ‘Mr. Bail-in’ I helped formulating and coordinating the public sector response globally that reshaped the financial system.
Finally, having worked in many postwar situations, and being the son of an internal German refugee after WW II myself, I also firmly believe that our task in housing and housing finance is not to be the reconstruction column of those powerful interests that launch permanent wars on others, whether military or financial/economic. Our goal rather ought to be to become an independent force in a global movement for peace and development and so give a voice to this categorical demand of the vast majority of inhabitants of our planet.