{"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":"vorschriften-finma-ubs","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/regulations-finma-ubs\/","title":{"rendered":"Regulierung in der Schweiz: F\u00fcr die UBS konzipiert, f\u00fcr alle angewandt"},"content":{"rendered":"<p>Unter <a href=\"https:\/\/vapa.ch\/de\/schweizer-august-2025-feier\/\">Schweiz<\/a>Die Regulierung wird zunehmend als Reaktion auf das systemische Gewicht der <a href=\"https:\/\/vapa.ch\/de\/tag\/ubs\/\">UBS<\/a>. Als dominierende Bank des Landes setzt UBS den Referenzpunkt f\u00fcr Kapital, <a href=\"https:\/\/vapa.ch\/de\/cet1-quote-in-schweizer-privatbanken-fur-eams\/\">Liquidit\u00e4t<\/a>und Einhaltungsnormen, die jedoch in der gesamten Branche einheitlich angewandt werden.<\/p>\n\n\n\n<p>An der Spitze mag das sinnvoll sein. Aber auf der anderen Seite schafft es Reibung.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Traditionell <a href=\"https:\/\/vapa.ch\/de\/tag\/zukunft-des-private-banking\/\">Privatbanken<\/a> - die oft in Familienbesitz und lokal verwurzelt sind - werden denselben Standards unterworfen wie die globalen Giganten.<\/li>\n\n\n\n<li>Unabh\u00e4ngige Verm\u00f6gensverwalter, von denen in der Regel kein oder nur ein geringes Systemrisiko ausgeht, sind mit \u00e4hnlichen Anforderungen konfrontiert - bei weitaus geringeren Ressourcen.<\/li>\n<\/ul>\n\n\n\n<p><strong>Das Ergebnis?<\/strong><br>Eskalierende Kosten, geringere Flexibilit\u00e4t und wachsender Druck auf kleinere Unternehmen, <a href=\"https:\/\/vapa.ch\/de\/vermogensverwaltungslandschaft-privatbankiers\/\">spezialisierte Spieler<\/a>. Dies untergr\u00e4bt mit der Zeit die Vielfalt - eine der wichtigsten St\u00e4rken des Standorts Schweiz <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>Andere Gerichtsbarkeiten haben sich anders verhalten.<br>Die <a href=\"https:\/\/vapa.ch\/de\/london-meine-reise-von-1994-bis-heute\/\">UK's<\/a> \"Schwellenwerte und Ausnahmeregelungen\" passen die Vorschriften an die Gr\u00f6\u00dfe und Systemrelevanz eines Unternehmens an. Die Aufsicht bleibt stark - aber gezielter.<\/p>\n\n\n\n<p><strong>Die Schweiz k\u00f6nnte dasselbe tun.<\/strong><br>Dies ist kein Aufruf zur Deregulierung - es ist ein Aufruf zur besseren Regulierung:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2714 anteilig<\/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>Ein lebendiges \u00d6kosystem braucht mehr als nur globale Champions. Es braucht Raum f\u00fcr <a href=\"https:\/\/vapa.ch\/de\/nachfolge-vermogensmanagement-team\/\">Erbe<\/a>, <a href=\"https:\/\/vapa.ch\/de\/unabhangige-vermogensverwalter-aufspiesen\/\">Unternehmertum und Unabh\u00e4ngigkeit, um zu gedeihen<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-let-s-ask-the-question\">\ud83d\udd37 Lassen Sie uns die Frage stellen:<\/h2>\n\n\n\n<p>Kann die Schweiz ihr Modell weiterentwickeln, ohne das Vertrauen zu gef\u00e4hrden - und damit ihre Zukunft st\u00e4rken?<\/p>\n\n\n\n<p>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 Ma\u00dfstab 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 \"Thresholds and Exemptions\" (Schwellenwerte und Ausnahmen) passt die Vorschriften an die Gr\u00f6\u00dfe 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","_uag_custom_page_level_css":"","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 v27.4 (Yoast SEO v27.5) - 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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Die FINMA wendet einheitliche Regeln an, was wichtige Fragen f\u00fcr die Zukunft aufwirft.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/14267\/","og_locale":"de_CH","og_type":"article","og_title":"Regulation in Switzerland: Designed for UBS, Applied to All","og_description":"Swiss regulations shaped by UBS also impact small firms. 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