{"id":14267,"date":"2025-07-24T08:15:58","date_gmt":"2025-07-24T06:15:58","guid":{"rendered":"https:\/\/vapa.ch\/?p=14267"},"modified":"2025-08-31T18:03:30","modified_gmt":"2025-08-31T16:03:30","slug":"regulations-finma-ubs","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/vorschriften-finma-ubs\/","title":{"rendered":"Regulierung in der Schweiz: F\u00fcr die UBS konzipiert, f\u00fcr alle angewandt"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In <a href=\"https:\/\/vapa.ch\/de\/schweizer-august-2025-feier\/\">Schweiz<\/a>er Finanzkreisen wird die Regulierung zunehmend als Reaktion auf das systemische Gewicht der <a href=\"https:\/\/vapa.ch\/de\/tag\/ubs\/\">UBS<\/a>\u00a0gepr\u00e4gt. Als dominierende Bank des Landes setzt die UBS den Massstab f\u00fcr Kapital, <a href=\"https:\/\/vapa.ch\/de\/cet1-quote-in-schweizer-privatbanken-fur-eams\/\">Liquidit\u00e4t<\/a>\u00a0und Compliance-Standards \u2013 angewandt werden sie jedoch einheitlich auf die gesamte Branche.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An der Spitze mag das sinnvoll sein. Am anderen Ende aber erzeugt es Reibung.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Traditionelle <a href=\"https:\/\/vapa.ch\/de\/tag\/future-of-private-banking\/\">Privatbanken<\/a> \u2013 oft in Familienbesitz und lokal verwurzelt \u2013 m\u00fcssen dieselben Standards erf\u00fcllen wie globale Giganten.<\/li>\n\n\n\n<li>Unabh\u00e4ngige Verm\u00f6gensverwalter, die in der Regel kaum oder gar kein Systemrisiko darstellen, sehen sich \u00e4hnlichen Anforderungen gegen\u00fcber \u2013 mit weit weniger Ressourcen.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Das Ergebnis?<\/strong><br>Steigende Kosten, weniger Flexibilit\u00e4t und wachsender Druck auf kleinere, <a href=\"https:\/\/vapa.ch\/de\/vermogensverwaltungslandschaft-privatbankiers\/\">spezialisierte Anbieter<\/a>. Mit der Zeit untergr\u00e4bt das die Vielfalt \u2013 eine der zentralen St\u00e4rken der Schweiz als <a href=\"https:\/\/vapa.ch\/de\/swiss-banking-works-zuverlassigkeit\/\">Finanzplatz<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Andere L\u00e4nder gehen anders vor.<br>Die <a href=\"https:\/\/vapa.ch\/de\/london-meine-reise-von-1994-bis-heute\/\">britische<\/a> Regelung \u00abThresholds and Exemptions\u00bb passt die Vorschriften an Gr\u00f6sse und Systemrelevanz einer Firma an. Die Aufsicht bleibt stark \u2013 aber gezielter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Die Schweiz k\u00f6nnte dasselbe tun.<\/strong><br>Das ist kein Aufruf zur Deregulierung \u2013 sondern zu besserer Regulierung:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2714 verh\u00e4ltnism\u00e4ssig<\/li>\n\n\n\n<li>\u2714 risikobasiert<\/li>\n\n\n\n<li>\u2714 innovationsfreundlich<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Ein lebendiges \u00d6kosystem braucht mehr als globale Champions. Es braucht Raum, damit <a href=\"https:\/\/vapa.ch\/de\/nachfolge-vermogensmanagement-team\/\">Verm\u00e4chtnis<\/a>, <a href=\"https:\/\/vapa.ch\/de\/unabhangige-vermogensverwalter-aufspiesen\/\">Unternehmertum und Unabh\u00e4ngigkeit gedeihen k\u00f6nnen<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-let-s-ask-the-question\">\ud83d\udd37 Stellen wir die Frage:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kann die Schweiz ihr Modell weiterentwickeln, ohne das Vertrauen zu gef\u00e4hrden \u2013 und so ihre Zukunft st\u00e4rken?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle: <a href=\"https:\/\/www.linkedin.com\/posts\/patrick-stauber-marcuard-heritage_swissfinance-wealthmanagement-privatebanking-activity-7354016246431965184-_0nZ?utm_source=share&amp;utm_medium=member_desktop&amp;rcm=ACoAAAUooHgBeTEXpRpRNA0E7VJJlaW_t2ANZhk\" target=\"_blank\" rel=\"noreferrer noopener\">LinkedIn<\/a><\/p>\n<div style=\"display:flex; gap:10px;justify-content:\" class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend\">\n\t\t<a  href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/14267?action=genpdf&amp;id=14267\" class=\"pgfw-single-pdf-download-button\" target=\"_blank\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" title=\"PDF generieren\" style=\"width:auto; height:45px;\"><\/a>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>In der Schweiz wird die Regulierung zunehmend durch das systemische Gewicht der UBS gepr\u00e4gt. Als dominierende Bank des Landes gibt die UBS den Massstab f\u00fcr Kapital-, Liquidit\u00e4ts- und Compliance-Standards vor - doch diese werden im gesamten Sektor einheitlich angewendet. Das mag an der Spitze Sinn machen. Aber auf der anderen Seite f\u00fchrt es zu Reibungsverlusten. Das Ergebnis sind steigende Kosten, geringere Flexibilit\u00e4t und wachsender Druck auf kleinere, spezialisierte Akteure. Mit der Zeit untergr\u00e4bt dies die Vielfalt - eine der wichtigsten St\u00e4rken des Schweizer Finanzplatzes. Andere L\u00e4nder haben einen anderen Weg eingeschlagen: Das britische Regelwerk \u201eThresholds and Exemptions\u201c (Schwellenwerte und Ausnahmen) passt die Vorschriften an die Gr\u00f6sse und Systemrelevanz eines Unternehmens an. Die Aufsicht bleibt stark - aber gezielter. Dies ist kein Aufruf zur Deregulierung - es ist ein Aufruf zu einer besseren Regulierung: Ein dynamisches \u00d6kosystem braucht mehr als nur globale Champions. Es braucht Raum f\u00fcr Erbe, Unternehmertum und Unabh\u00e4ngigkeit, um zu gedeihen. \ud83d\udd37 Wir sollten uns die Frage stellen: Kann die Schweiz ihr Modell weiterentwickeln, ohne das Vertrauen zu gef\u00e4hrden - und damit ihre Zukunft st\u00e4rken? Quelle: LinkedIn<\/p>","protected":false},"author":1,"featured_media":14268,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[93],"tags":[277,107,161,285,64,281,108,248,42],"class_list":["post-14267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-2025-blog-wealth-management","tag-compliance","tag-financial-sector","tag-finma","tag-private-banking","tag-regulations","tag-risk-management","tag-ubs","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Regulations in Swiss Finance | independent wealth management<\/title>\n<meta name=\"description\" content=\"Swiss regulations shaped by UBS also impact small firms. 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