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المجال المصرفي في سويسرا Banca suiza Banking in Switzerland Банковская система Швейцарии Perbankan di Swiss スイス銀行 스위스 은행 Système bancaire suisse Schweizer Bankwesen Settore bancario svizzero
rdfs:comment
Perbankan di Swiss diatur oleh Swiss Financial Market Supervisory Authority - FINMA (Otoritas Pengawas Pasar Keuangan Swiss), yang memperoleh kewenangan berdasarkan serangkaian undang-undang federal. Peraturan dan tradisi negara mengenai kerahasiaan bank, yang dapat ditarik hingga ke Abad Pertengahan, pertama kali dikodifikasi dalam Federal Act on Banks and Savings Banks (undang-undang federal mengenai bank dan bank-bank tabungan), dalam bahasa sehari-hari dikenal sebagai Hukum Perbankan/Banking Law 1934. Manajemen kerahasiaan bank, salah satu hal yang paling terkenal dari bank-bank Swiss, berada di bawah tekanan saat maraknya skandal penggelapan pajak UBS dan hukum perbankan 1934 tersebut diamendemen pada tahun 2009 untuk membatasi penggelapan pajak oleh non-klien bank Swiss. 本稿では、スイスの銀行業(ロマンシュ語:argintartion)について詳述する。同国の銀行は、伝統的に高度な守秘性を特徴とする。 Il settore bancario svizzero comprende l'insieme di istituti e attori che esercitano un'attività propria di una banca in Svizzera.L'attività bancaria moderna risale al XII secolo quando a Genova si diffonde il cambio di monete, il trasferimento geografico di fondi (lettera di cambio), il credito al consumo e il credito commerciale (grandi fiere, mercanti). Lo sviluppo dei commercianti di moneta permette di unire tutte queste attività.In Svizzera, il settore bancario si sviluppa inizialmente nel XIV secolo, la cui esperienza viene però interrotta. Solo alla fine del XV secolo prende avvio la seconda grande fase di sviluppo che proseguirà senza interruzione di continuità fino al XXI secolo. Das Schweizer Bankwesen zählt zu den bedeutendsten der Welt. Sein guter Ruf basiert auf der politischen und wirtschaftlichen Stabilität der Schweiz und der Hauptaktivität der Vermögensverwaltung sowie der vergleichsweise konservativen und nachhaltigen Anlage. ( 없어진 기업에 대해서는 문서를 참고하십시오.) 스위스 은행(banking in Switzerland)은 스위스 은행법에 따라 스위스에 본사를 두고 운영되는 은행의 총칭 또는 통칭이다. 스위스 은행이라는 이름의 은행은 존재하지 않으며, 스위스의 중앙은행인 스위스 국립은행도 별도로 존재하고 있다. 일반적으로 익명성 및 기밀성이 뛰어난 은행으로 알려져 있다. Le secteur bancaire suisse compte parmi les plus importants du monde[réf. nécessaire]. Sa réputation repose sur la stabilité politique et économique de la Suisse[réf. nécessaire] et sur le secret bancaire suisse[réf. nécessaire]. La banca suiza se caracteriza por su estabilidad, privacidad y protección de los activos e información de sus clientes. La tradición de secreto bancario del país, que data de tiempos medievales, fue codificada por primera vez en una ley en 1934.​ Todos los bancos en Suiza están regulados por la Autoridad Federal Supervisora del Mercado Bancario Suizo, que ejerce su autoridad por medio de una serie de leyes federales.​ Банковская система Швейцарии играет важную роль в экономике страны и является одной из самых значительных в мире.Она регулируется Федеральным органом надзора за финансовым рынком. Банковская тайна закреплена в федеральном законе «О банках и сберегательных кассах» от 1934 года. Banking in Switzerland dates to the early eighteenth century through Switzerland's merchant trade and has, over the centuries, grown into a complex, regulated, and international industry. Banking is seen as emblematic of Switzerland, along with the Swiss Alps, Swiss chocolate, watchmaking and mountaineering. Switzerland has a long, kindred history of banking secrecy and client confidentiality reaching back to the early 1700s. Starting as a way to protect wealthy European banking interests, Swiss banking secrecy was codified in 1934 with the passage of the landmark federal law, the Federal Act on Banks and Savings Banks. These laws, which were used to protect assets of persons being persecuted by Nazi authorities, have also been used by people and institutions seeking to illegally evade tax يعود تاريخ العمل المصرفي في سويسرا إلى أوائل القرن الثامن عشر، من خلال الوساطة التجارية في سويسرا، وقد نمت على مر القرون لتصبح صناعة دولية معقدة ومنظمة. يُنظر إلى الأعمال المصرفية بوصفها رمزًا لسويسرا، بجانب جبال الألب السويسرية والشوكولاتة السويسرية وصناعة الساعات وتسلَّق الجبال. تتمتع سويسرا بتاريخ طويل من السرية المصرفية يعود إلى أوائل القرن الثامن عشر. بدأت السرية المصرفية السويسرية وسيلةً لحماية المصالح المصرفية الأوروبية الثرية، أُقرت سنة 1934 مع إِقرار القانون الاتحادي بشأن البنوك والادخار. استُخدمت هذه القوانين لحماية أصول الأشخاص الذين تعرضوا للاضطهاد من السلطات النازية، واستخدمها أيضًا الأشخاص والمؤسسات التي تسعى للتهرب غير القانوني من الضرائب أو إخفاء الأصول أو ارتكاب جرائم مالية عمومًا.
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The largest bank in Switzerland: UBS Capital ownership of UBS by country of origin as of 2014. The second largest bank in Switzerland: Credit Suisse
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Others Asia-Pacific-Singapore United Kingdom United States Switzerland Germany
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Like most Swiss banks, our safe-deposit boxes are attached to a number, not a name. You have a key and a personal number known only to you. [Banking secrecy] is comparable to medical confidentiality ... [Switzerland] must absolutely respect the private sphere ... [no one should] know what there is in your bank account. If you can't trust a Swiss banker, then what's the world come to? If there is anything the Swiss take more seriously than the precision of their watches or the quality of their chocolate, it's the secrecy of their banks.
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Steve Kroft, host of Banking: A Crack In the Swiss Vault Dan Brown in The Da Vinci Code Ueli Maurer, former President of Switzerland in 2013 James Bond in The World Is Not Enough
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本稿では、スイスの銀行業(ロマンシュ語:argintartion)について詳述する。同国の銀行は、伝統的に高度な守秘性を特徴とする。 Das Schweizer Bankwesen zählt zu den bedeutendsten der Welt. Sein guter Ruf basiert auf der politischen und wirtschaftlichen Stabilität der Schweiz und der Hauptaktivität der Vermögensverwaltung sowie der vergleichsweise konservativen und nachhaltigen Anlage. Perbankan di Swiss diatur oleh Swiss Financial Market Supervisory Authority - FINMA (Otoritas Pengawas Pasar Keuangan Swiss), yang memperoleh kewenangan berdasarkan serangkaian undang-undang federal. Peraturan dan tradisi negara mengenai kerahasiaan bank, yang dapat ditarik hingga ke Abad Pertengahan, pertama kali dikodifikasi dalam Federal Act on Banks and Savings Banks (undang-undang federal mengenai bank dan bank-bank tabungan), dalam bahasa sehari-hari dikenal sebagai Hukum Perbankan/Banking Law 1934. Manajemen kerahasiaan bank, salah satu hal yang paling terkenal dari bank-bank Swiss, berada di bawah tekanan saat maraknya skandal penggelapan pajak UBS dan hukum perbankan 1934 tersebut diamendemen pada tahun 2009 untuk membatasi penggelapan pajak oleh non-klien bank Swiss. Pada tahun 2015, bank mewakili 53,3% dari total nilai tambah dari sektor keuangan Swiss, yakni sebesar CH₣32 miliar yang merupakan 5.12% dari GDP (gross domestic product) negara Swiss. UBS dan Credit Suisse, dua bank terbesar di Swiss, menempati peringkat secara global pada #27 #29 di antara bank-bank lain, dengan aset sekitar US$941 miliar dan US$909 miliar, masing-masing. Hingga 11 Oktober 2008, industri perbankan di Swiss memiliki rata-rata rasio leverage (aset/kekayaan bersih) dari 29 hingga 1, sedangkan kewajiban jangka pendek industri ialah setara dengan 260 persen GDP Swiss atau 1,273% hutang nasional Swiss. La banca suiza se caracteriza por su estabilidad, privacidad y protección de los activos e información de sus clientes. La tradición de secreto bancario del país, que data de tiempos medievales, fue codificada por primera vez en una ley en 1934.​ Todos los bancos en Suiza están regulados por la Autoridad Federal Supervisora del Mercado Bancario Suizo, que ejerce su autoridad por medio de una serie de leyes federales.​ Para el 11 de octubre de 2008, la banca suiza tuvo un ratio de apalancamiento promedio (activos/patrimonio neto) de 29 a 1, mientras que los pasivos a corto plazo de la industria eran iguales al 260% del PIB suizo o al 1.273% de la deuda nacional de Suiza.​ Il settore bancario svizzero comprende l'insieme di istituti e attori che esercitano un'attività propria di una banca in Svizzera.L'attività bancaria moderna risale al XII secolo quando a Genova si diffonde il cambio di monete, il trasferimento geografico di fondi (lettera di cambio), il credito al consumo e il credito commerciale (grandi fiere, mercanti). Lo sviluppo dei commercianti di moneta permette di unire tutte queste attività.In Svizzera, il settore bancario si sviluppa inizialmente nel XIV secolo, la cui esperienza viene però interrotta. Solo alla fine del XV secolo prende avvio la seconda grande fase di sviluppo che proseguirà senza interruzione di continuità fino al XXI secolo. Swiss Capital Market in miliardi di Franchi, Dati da studio KPMG e Helvea Le secteur bancaire suisse compte parmi les plus importants du monde[réf. nécessaire]. Sa réputation repose sur la stabilité politique et économique de la Suisse[réf. nécessaire] et sur le secret bancaire suisse[réf. nécessaire]. La croissance du secteur bancaire au XXe siècle découle des activités financières internationales des banques suisses et du rôle du pays comme place financière internationale qui se voit accru par la Première Guerre mondiale. En 1929, les capitaux étrangers représentent entre 5 % et 7 % du total des dépôts du pays mais entre 13 % et 17 % des dépôts des grandes banques. Durant la Seconde Guerre mondiale, la Suisse rend particulièrement service à l'Allemagne en lui rachetant de l'or et en le convertissant en francs suisses que l'Allemagne utilise pour s'approvisionner en matériel stratégique auprès des pays neutres. Dans les années 1960, la Suisse devint l'une des places financières les plus importantes du monde. Entre 1947 et 1971, le total du bilan des banques suisses est multiplié par six en francs courants en raison de leurs transactions avec l'étranger. Le domaine bancaire et de gestion de fortune participe encore de la réputation du pays à l'étranger. La neutralité de la Suisse, notamment durant les deux guerres mondiales, avait déjà favorisé l'arrivée de capitaux étrangers dans les banques suisses. Le secteur bancaire suisse est caractérisé par sa stabilité et sa discrétion découlant du secret bancaire remontant au Moyen Âge et codifié pour la première fois dans une loi de 1934. Il est garanti par l'article 47 de la Loi fédérale sur les banques et les caisses d'épargne qui interdit à un représentant d'une banque de divulguer la moindre information (bancaire ou non) sur l'un de ses clients. Il s'agit en quelque sorte d'un secret professionnel au même titre que le secret médical. Toutefois, ce secret peut être levé lors d'une procédure d'entraide judiciaire internationale. Cette « discrétion » favorise l'arrivée de nouveaux capitaux, tout comme la stabilité du franc suisse ou la stabilité politique du pays. Même si la Suisse n'est généralement pas considérée comme un paradis fiscal, quelques milliers de personnes choisissent de vivre en Suisse pour bénéficier du forfait fiscal payé en lieu et place des impôts ordinaires sur le revenu et la fortune et calculé sur les dépenses du contribuable. En pratique, l'administration suisse considère que ce forfait doit représenter au minimum cinq fois le montant du loyer annuel de la personne assujettie ou de la valeur locative du logement dont elle a la jouissance. Les personnes bénéficiant d'un forfait fiscal ne peuvent pas travailler et donc percevoir une rémunération en Suisse. En 2003, le secteur financier pèse pour près de 14 % du PIB suisse et emploie approximativement 180 000 personnes dont 110 000 dans le secteur bancaire, soit environ 5,6 % de la population active suisse. En 2002, les banques suisses gèrent 22 000 milliards de dollars contre 26 000 milliards un an auparavant, sans doute en raison d'un marché tendu et de régulations plus strictes sur le marché suisse. Quant aux banques étrangères opérant sur le marché suisse, elles gèrent près de 870 milliards de francs en mai 2006. Tous les établissements sont régulés par la FINMA, Autorité fédérale de surveillance des marchés financiers. La FINMA revêt la forme d'un établissement de droit public et elle est soumise à la haute surveillance politique de la Confédération. Par ailleurs, un ombudsman, poste créé en 1993, offre gratuitement ses services, y compris la médiation et l'assistance aux personnes à la recherche de comptes « dormants ». Il travaille sur près de 1 500 dossiers déposés contre les banques chaque année. En 2006, 408 établissements bancaires sont autorisés à exercer sur le territoire suisse. Dans le même temps, 24 banques cantonales, établissements semi-publics contrôlés par l'un des cantons suisses, exercent leurs activités dans tous les domaines bancaires, la plus grande d'entre elles, la Banque cantonale de Zurich, affichant un résultat net de 843 millions de francs en 2007. En 2003, les établissements bancaires suisses géraient environ 3 293 milliards de francs. Parmi les principaux figurent UBS, qui a réalisé en 2004 un bénéfice net de 8 milliards de francs, et le Crédit suisse qui réalise la même année un bénéfice net de 5,6 milliards de francs. Tous deux abritent plus de 50 % des dépôts du pays. En raison de leur poids, ces deux banques font l'objet d'une surveillance particulière de la FINMA. ( 없어진 기업에 대해서는 문서를 참고하십시오.) 스위스 은행(banking in Switzerland)은 스위스 은행법에 따라 스위스에 본사를 두고 운영되는 은행의 총칭 또는 통칭이다. 스위스 은행이라는 이름의 은행은 존재하지 않으며, 스위스의 중앙은행인 스위스 국립은행도 별도로 존재하고 있다. 일반적으로 익명성 및 기밀성이 뛰어난 은행으로 알려져 있다. Банковская система Швейцарии играет важную роль в экономике страны и является одной из самых значительных в мире.Она регулируется Федеральным органом надзора за финансовым рынком. Банковская тайна закреплена в федеральном законе «О банках и сберегательных кассах» от 1934 года. Banking in Switzerland dates to the early eighteenth century through Switzerland's merchant trade and has, over the centuries, grown into a complex, regulated, and international industry. Banking is seen as emblematic of Switzerland, along with the Swiss Alps, Swiss chocolate, watchmaking and mountaineering. Switzerland has a long, kindred history of banking secrecy and client confidentiality reaching back to the early 1700s. Starting as a way to protect wealthy European banking interests, Swiss banking secrecy was codified in 1934 with the passage of the landmark federal law, the Federal Act on Banks and Savings Banks. These laws, which were used to protect assets of persons being persecuted by Nazi authorities, have also been used by people and institutions seeking to illegally evade taxes, hide assets, or generally commit financial crime. Controversial protection of foreign accounts and assets during World War II sparked a series of proposed financial regulations seeking to temper bank secrecy, but with little success. Switzerland has been one of the largest offshore financial centers and tax havens in the world since the mid-20th century. Despite an international push to meaningfully roll back banking secrecy laws in the country, Swiss social and political forces have minimized and reverted much of proposed rollbacks. Although disclosing criminal activities by banks, who do not enjoy a good reputation even in Switzerland, is generally well seen by the Swiss public, disclosing client information has been considered a criminal offence since the early 1900s. Employees working in Switzerland and abroad at Swiss banks "have long adhered to an unwritten code similar to that observed by doctors or priests". Since 1934, banking secrecy laws have been violated by four people: Christoph Meili (1997), Bradley Birkenfeld (2007), Rudolf Elmer (2011), and Hervé Falciani (2014). The Swiss Bankers Association (SBA) estimated in 2018 that Swiss banks held US$6.5 trillion in assets or 25% of all global cross-border assets. Switzerland's main lingual hubs, Geneva (for French), Lugano (for Italian), and Zürich (for German) service the different geographical markets. It currently ranks number two behind the United States and on par with Singapore in the Financial Secrecy Index. The banks are regulated by the Swiss Financial Market Supervisory Authority (FINMA) and the Swiss National Bank (SNB) which derives its authority from a series of federal statutes. Banking in Switzerland has historically played, and still continues to play, a dominant role in the Swiss economy and society. According to the Organization for Economic Cooperation and Development (OECD), total banking assets amount to 467% of total gross domestic product. Banking in Switzerland , with varying degrees of accuracy, in overall popular culture, books, movies, and television shows. يعود تاريخ العمل المصرفي في سويسرا إلى أوائل القرن الثامن عشر، من خلال الوساطة التجارية في سويسرا، وقد نمت على مر القرون لتصبح صناعة دولية معقدة ومنظمة. يُنظر إلى الأعمال المصرفية بوصفها رمزًا لسويسرا، بجانب جبال الألب السويسرية والشوكولاتة السويسرية وصناعة الساعات وتسلَّق الجبال. تتمتع سويسرا بتاريخ طويل من السرية المصرفية يعود إلى أوائل القرن الثامن عشر. بدأت السرية المصرفية السويسرية وسيلةً لحماية المصالح المصرفية الأوروبية الثرية، أُقرت سنة 1934 مع إِقرار القانون الاتحادي بشأن البنوك والادخار. استُخدمت هذه القوانين لحماية أصول الأشخاص الذين تعرضوا للاضطهاد من السلطات النازية، واستخدمها أيضًا الأشخاص والمؤسسات التي تسعى للتهرب غير القانوني من الضرائب أو إخفاء الأصول أو ارتكاب جرائم مالية عمومًا. حفّزت الحماية المثيرة للجدل للحسابات والأصول الأجنبية خلال الحرب العالمية الثانية سلسلة من اللوائح المالية المقترحة التي تسعى للتخفيف من السرية المصرفية لتحقيق نجاح ضئيل. كانت سويسرا أحد أكبر المراكز المالية الخارجية والملاذات الضريبية في العالم منذ منتصف القرن العشرين. رغم الضغط الدولي للتغلب على قوانين السرية المصرفية في البلاد، فقد قللت القوى الاجتماعية والسياسية السويسرية من حدة التراجع المقترح. ومع أن الإِفصاح عن الأنشطة الإجرامية من البنوك التي لا تحظى بسمعة جيدة حتى في سويسرا، يُعد أمرًا محمودًا من وجهة نظر الشعب السويسري، يُعد الكشف عن معلومات العميل جريمة جنائية منذ أوائل القرن التاسع عشر ويلتزم الموظفون العاملون لدى البنوك السويسرية في سويسرا وخارجها منذ فترة طويلة بقانون غير مكتوب مماثل لقانون الأطباء أو الكهنة. منذ 1934، انتهك السرية المصرفية 4 أشخاص هم كريستوف ميلي (1997) وبرادلي بيركينفيلد (2007) ورودولف إلمر (2011) ووهيرفي فاليساني (2014). قدرت جمعية المصرفيين السويسريين سنة 2018 أن البنوك السويسرية تمتلك أصولًا بقيمة 6.5 تريليون دولار أمريكي أي 25% من جميع الأصول العالمية عبر الحدود. إن مراكز اللغات الرئيسية في سويسرا، جنيف «للفرنسية» ولوغانو «للإيطالية» وزيوريخ «للألمانية» تَخدم مُختلف الأسواق الجغرافية. وهي تحتل مرتبة ثابتة بوصفها أعلى ثلاث ولايات في مؤشر السرية المالية وسُميت «الأولى» عدة مرات، آخرها سنة 2018. يخضع البنكان الكبيران «يو بي إس» و«كريديت سويس» للتنظيم من هيئة الإِشراف على السوق المالية السويسرية، والبنك الوطني السويسري الذي يستمد سلطته من سلسلة من القوانين الفيدرالية. أدّت البنوك في سويسرا على مر التاريخ، وما زالت تؤدي دورًا مهيمنًا على الاقتصاد والمجتمع السويسري. وفقًا لمنظمة التعاون الاقتصادي والتنمية، يبلغ إجمالي الأصول المصرفية 467% من الناتج المحلي. وقد صُورت الخدمات المصرفية في سويسرا، بدرجات متفاوتة من الدقة، في الثقافة الشعبية العامة والكتب والأفلام والبرامج التلفزيونية.
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