insight%202%2F%2009%20Editorial%202%20H%F6here%20Fachschule%20Bank%20Erste%20Diplomfeier%20Mesdames%2C%20Messieurs%2C%20chers%20coll%E8gues%2C%20J%27ai%20eu%20d%27innombrables%20contacts%20avec%20beaucoup%20d%27entre%20vous%20ces%20derniers%20mois%2E%20J%27ai%20constat%E9%20%E0%20plusieurs%20reprises%20que%20vous%20n%27%E9tiez%20pas%20tous%20au%20fait%20de%20toutes%20les%20activit%E9s%20de%20l%27Association%20suisse%20des%20banquiers%20et%20surtout%2C%20que%20vous%20ne%20saviez%20pas%20toujours%20pourquoi%20celle%2Dci%20agissait%20d%27une%20certaine%20fa%E7on%20et%20pas%20d%27une%20autre%2E%20Cela%20est%20regrettable%2C%20car%20dans%20la%20p%E9riode%20actuelle%2C%20riche%20en%20d%E9fis%2C%20la%20coh%E9sion%20rev%EAt%20une%20importance%20cruciale%2E%20La%20coh%E9sion%20requiert%20n%E9anmoins%20un%20bon%20niveau%20d%27information%2C%20commun%20%E0%20tous%2E%20C%27est%20pourquoi%20je%20souhaite%20encore%20renforcer%20la%20communication%20avec%20vous%2E%20Le%20pr%E9sent%20bulletin%20d%27information%2C%20qui%20existe%20depuis%20plusieurs%20ann%E9es%20d%E9j%E0%2C%20constitue%20un%20excellent%20support%20pour%20vous%20informer%20de%20divers%20th%E8mes%20et%20activit%E9s%2E%20Outre%20notre%20site%20Internet%20accessible%20%E0%20tous%2C%20il%20existe%20depuis%20plus%20d%27un%20an%20des%20informations%20additionnelles%20sur%20notre%20Portail%2C%20sous%20la%20rubrique%20%ABMedia%20Corner%BB%2C%20que%20nous%20avons%20enrichie%20ces%20derni%E8res%20semaines%2E%20Vous%20y%20trouverez%2C%20outre%20les%20principales%20interviews%2C%20des%20expos%E9s%20de%20repr%E9sentants%20de%20l%27ASB%2E%20Nous%20y%20publierons%20%E9galement%20des%20prises%20de%20position%20sur%20des%20th%E8mes%20importants%2E%20Je%20vous%20invite%20par%20cons%E9quent%20%E0%20consulter%20r%E9guli%E8rement%20notre%20site%20ainsi%20que%20le%20%ABMedia%20Corner%BB%2E%20Vous%20n%27en%20serez%20que%20mieux%20inform%E9s%2E%202%20Bericht%20aus%20der%20Kommission%20Arbeitgeberverband%20der%20Banken%203%20Abgeltungssteuer%20Modell%20f%FCr%20die%20Zukunft%204%20Das%20Interview%20Patrick%20Odier%2C%20Pr%E4sident%20der%20SBVg%203%20%2F%204%20%2F%205%20Pinboard%20Aktuelle%20Themen%20im%20%DCberblick%207%20Einlegerschutz%20Wem%20dient%20die%20%DCberversicherung%3F%208%20Stempelsteuer%20Bremse%20f%FCr%20die%20Schweizer%20Wirtschaft%20Patrick%20Odier%2C%20Pr%E9sident%20Schweizerische%20Bankiervereinigung%20Aeschenplatz%207%2C%20Postfach%204182%2C%20CH%2D4002%20Basel%2C%20T%20%2B41%2061%20295%2093%2093%2C%20F%20%2B41%2061%20272%2053%2082%2C%20office%40sba%2Ech%2C%20www%2Eswissbanking%2Eorg%20 %20%202%20Erste%20Diplomfeier%20H%F6here%20Fachschule%20Bank%20und%20Finanz%20Erstmals%20konnten%20am%2030%2E%20Oktober%202009%20in%20feierlichem%20Rahmen%20356%20erfolgreiche%20Absolventinnen%20und%20Absolventen%20der%20H%F6heren%20Fachschule%20Bank%20und%20Finanz%20%28HFBF%29%20das%20in%20der%20Schweizer%20Bildungslandschaft%20einzigartige%20Diplom%20zum%20%2F%20zur%20%ABdipl%2E%20Bankwirtschafter%2F%2Din%20HF%BB%20entgegennehmen%20und%20damit%20ihre%20intensive%2C%20berufsbegleitende%203%2Dj%E4hrige%20Ausbildung%20abschliessen%2E%20Mit%20dem%20kompetenz%2D%20und%20handlungsorientierten%20sowie%20einem%20Blended%20Learning%20Ansatz%20hat%20die%20Bankbranche%20erfolgreich%20einen%20innovativen%20und%20zukunftsweisenden%20Weg%20in%20der%20h%F6heren%20Berufsbildung%20beschritten%2E%20Die%20Diplomierung%20wurde%20mit%20%FCber%20500%20geladenen%20G%E4sten%20%AD%20mit%20Absolventinnen%20und%20Absolventen%2C%20Dozierenden%20und%20Fachleuten%2C%20die%20am%20Aufbau%20der%20HFBF%20mitgewirkt%20haben%20%AD%20im%20Kursaal%20in%20Bern%20gefeiert%2E%20Damit%20die%20Diplomierten%20auch%20nach%20Abschluss%20ihres%20Studiums%20mit%20ihrer%20Schule%20und%20ihren%20Kommilitonen%20in%20Kontakt%20bleiben%20k%F6nnen%2C%20wurde%20w%E4hrend%20der%20Feier%20ein%20Alumninetzwerk%20gegr%FCndet%2E%20Von%20den%20urspr%FCnglich%20436%20Studierenden%2C%20welche%20die%20HFBF%20im%20September%202006%20begonnen%20hatten%2C%20erreichten%20im%20Herbst%202009%20nach%20Absolvierung%20zahlreicher%20Lernleistungen%20und%20der%20Verfassung%20einer%20Diplomarbeit%20356%20Studierende%20%28rund%2080%25%29%20die%20f%FCr%20einen%20erfolgreichen%20Abschluss%20notwendigen%20Lernleistungspunkte%2E%20F%FCr%20die%20besten%20Abschl%FCsse%20ausgezeichnet%20wurden%3A%201%2E%20Bianca%20Heinrichsberger%2C%20Z%FCrcher%20Kantonalbank%202%2E%20Patrick%20Br%E4ndle%2C%20St%2E%20Galler%20Kantonalbank%203%2E%20Patrick%20Rast%2C%20Aargauer%20Kantonalbank%20Die%20SBVg%20gratuliert%20allen%20Diplomierten%20herzlich%20zu%20ihrer%20Leistung%20und%20w%FCnscht%20ihnen%20f%FCr%20die%20berufliche%20und%20private%20Zukunft%20alles%20Gute%20und%20viel%20Erfolg%2E%20marie%2Dtheres%2Elorenzon%40sba%2Ech%20Bericht%20aus%20den%20Kommissionen%20Die%20Kommission%20f%FCr%20Personalfragen%20wird%20per%20Ende%202009%20aufgel%F6st%2E%20Die%20Bearbeitung%20der%20Personal%2D%20und%20Arbeitgeberfragen%20wird%20im%20neu%20gegr%FCndeten%20Arbeitgeberverband%20der%20Banken%20in%20der%20Schweiz%20zusammengefasst%2E%20Die%20bankenrelevanten%20Personal%2D%20und%20Arbeitgeberfragen%20wurden%20in%20der%20Vergangenheit%20durch%20verschiedene%20Organisationen%20dezentral%20behandelt%2E%20Die%20Kommission%20f%FCr%20Personalfragen%20der%20SBVg%20verfolgte%20personalpolitische%20und%20sozialversicherungstechnische%20Themen%2E%20Zu%20ihren%20Aufgaben%20geh%F6rte%20auch%20die%20Einflussnahme%20auf%20Entwicklungen%20im%20Human%20Resources%20Management%20und%20die%20Lancierung%2C%20Durchf%FChrung%20und%20Begleitung%20von%20gesamtschweizerischen%20HR%2DProjekten%2E%20Die%20Aufgaben%20im%20Bereich%20der%20Sozialpartnerschaft%20wie%20namentlich%20das%20Verhandeln%20der%20Vereinbarung%20%FCber%20die%20Anstellungsbedingungen%20der%20Bankangestellten%20%28VAB%29%20wurden%20hingegen%20durch%20die%20Arbeitgeberorganisation%20der%20Banken%20in%20der%20Schweiz%20%28AGO%29%20wahrgenommen%2E%20Die%20AGO%20basierte%20auf%20einer%20losen%20Organisation%20von%20regionalen%20Bankenverb%E4nden%20und%20wurde%20seit%201918%20ideell%2C%20finanziell%20und%20organisatorisch%20haupts%E4chlich%20durch%20den%20Verband%20Z%FCrcherischer%20Kreditinstitute%20%28VZK%29%20getragen%2E%20In%20den%20vergangenen%20Jahren%20wurden%20angesichts%20der%20stark%20gestiegenen%20Herausforderungen%20im%20regulatorischen%20Bereich%20die%20Grenzen%20dieser%20losen%20und%20dezentralen%20Organisation%20deutlich%2E%20Zudem%20ist%20die%20Vertretung%20der%20Arbeitgeberanliegen%20durch%20die%20Platzverb%E4nde%20nur%20bedingt%20repr%E4sentativ%2E%20Deshalb%20hat%20der%20Verwaltungsrat%20der%20SBVg%20im%20M%E4rz%202009%20beschlossen%2C%20die%20Behandlung%20der%20Personal%2D%20und%20Arbeitgeberfragen%20einem%20eigens%20daf%FCr%20gegr%FCndeten%20Verband%20zu%20%FCbertragen%2C%20dem%20Arbeitgeberverband%20der%20Banken%20in%20der%20Schweiz%20%28AGV%20Banken%29%2E%20Dieser%20neue%20Verband%20%FCbernimmt%20per%201%2E%201%2E%202010%20sowohl%20die%20Aufgaben%20der%20Kommission%20f%FCr%20Personalfragen%20als%20auch%20die%20Aktivit%E4ten%20der%20AGO%2E%20Mit%20der%20Gr%FCndung%20des%20AGV%20Banken%20werden%20klare%20Verbandsstrukturen%20geschaffen%20und%20die%20Bedeutung%20der%20Arbeitgeber%2DAnliegen%20unterstrichen%2E%20Josef%20Meier%2C%20Credit%20Suisse%2C%20ist%20Pr%E4sident%2C%20und%20Balz%20St%FCckelberger%20wird%20ab%201%2E%201%2E%202010%20Gesch%E4ftsf%FChrer%20des%20AGV%20Banken%2E%20www%2Eagv%2Dbanken%2Ech%20insight%20Dezember%202009%20 %20%203%20Conventions%20de%20double%20imposition%20r%E9cemment%20sign%E9es%20par%20la%20Suisse%20Le%2013%20mars%202009%2C%20la%20Suisse%20a%20indiqu%E9%20qu%27elle%20retirait%20sa%20r%E9serve%20%E0%20l%27article%2026%20du%20Mod%E8le%20de%20convention%20de%20l%27OCDE%2C%20portant%20sur%20l%27%E9change%20de%20renseignements%2E%20Depuis%2C%20la%20Suisse%20a%20sign%E9%20des%20conventions%20reprenant%20ce%20standard%20avec%20l%27Autriche%2C%20le%20Danemark%2C%20les%20Etats%2DUnis%2C%20la%20Finlande%2C%20la%20France%2C%20la%20Grande%2DBretagne%2C%20les%20Iles%20F%E9ro%E9%2C%20le%20Luxembourg%2C%20le%20Mexique%2C%20la%20Norv%E8ge%20et%20le%20Qatar%2E%20La%20convention%20avec%20l%27Espagne%20est%20%E9galement%20consid%E9r%E9e%20comme%20sign%E9e%2C%20car%20elle%20contient%20une%20clause%20de%20la%20nation%20la%20plus%20favoris%E9e%20en%20la%20mati%E8re%2E%20Comme%20la%20Suisse%20compte%2012%20conventions%20sign%E9es%20reprenant%20le%20standard%20en%20question%2C%20elle%20figure%20depuis%20le%2025%20septembre%202009%20sur%20la%20liste%20blanche%20de%20l%27OCDE%2E%20Le%20Conseil%20f%E9d%E9ral%20pr%E9pare%20des%20messages%20portant%20sur%20chacune%20des%20conventions%20sign%E9es%20%E0%20l%27intention%20du%20Parlement%2C%20comp%E9tent%20pour%20approuver%20de%20tels%20accords%2E%20Etant%20donn%E9%20que%20l%27on%20a%20affaire%20%E0%20un%20changement%20important%20dans%20les%20engagements%20internationaux%20de%20la%20Suisse%2C%20il%20est%20probable%20que%20ces%20nouveaux%20accords%20seront%20soumis%20au%20r%E9f%E9rendum%20facultatif%2E%20Ce%20n%27est%20qu%27%E0%20l%27issue%20du%20processus%20de%20ratification%20que%20l%27entr%E9e%20en%20vigueur%20peut%20avoir%20lieu%2E%20Il%20n%27est%20pas%20possible%20de%20donner%20une%20date%20pr%E9cise%20ou%20unique%20d%27entr%E9e%20en%20vigueur%2C%20car%20les%20d%E9lais%20d%27approbation%20de%20chacun%20des%20pays%20concern%E9s%20varient%20et%20chaque%20convention%20peut%20pr%E9voir%20des%20dispositions%20particuli%E8res%20sur%20cette%20question%2E%20Enfin%2C%20la%20Suisse%20a%20achev%E9%20des%20n%E9gociations%20et%20paraph%E9%20des%20conventions%20reprenant%20le%20standard%20de%20l%27OCDE%20avec%20d%27autres%20pays%20et%20il%20est%20notamment%20pr%E9vu%20de%20signer%20prochainement%20des%20accords%20avec%20le%20Japon%2C%20les%20Pays%2DBas%20et%20la%20Pologne%2E%20jean%2Ebrunisholz%40sba%2Ech%20Rubik%20%AD%20withholding%20tax%20The%20Swiss%20Bankers%20Association%20has%20designed%20a%20model%20to%20raise%20tax%20revenues%20for%20it%27s%20neighbouring%20states%20while%20further%20protecting%20the%20privacy%20of%20clients%20of%20Swiss%20banks%2E%20The%20proposed%20model%20would%20offer%20the%20interested%20states%20the%20possibility%20of%20a%20withholding%20tax%20system%20which%20would%20generate%20tax%20revenues%20while%20respecting%20the%20privacy%20of%20bank%20clients%2E%20The%20model%20primarily%20proposes%20empowering%20banks%20and%20other%20Swiss%20paying%20agents%20to%20levy%20a%20withholding%20tax%20on%20all%20earnings%20generated%20by%20wealth%2E%20The%20catchment%20area%20of%20such%20a%20system%20would%20be%20wider%20than%20the%20EU%27s%20Taxation%20of%20Savings%20Directive%2C%20since%20in%20addition%20to%20levying%20a%20withholding%20tax%20on%20interest%20income%20the%20paying%20agent%20would%20also%20levy%20a%20retention%20tax%20on%20dividends%20and%20income%20from%20collective%20investments%2E%20The%20agent%20could%20also%20levy%20a%20tax%20on%20capital%20gains%20if%20the%20client%27s%20home%20country%20also%20has%20a%20capital%20gains%20tax%2E%20Furthermore%2C%20the%20model%20would%20apply%20not%20only%20to%20private%20individuals%20but%20also%20to%20legal%20entities%2E%20Under%20the%20proposed%20system%2C%20the%20agent%20would%20forward%20the%20amount%20due%20to%20the%20Swiss%20Federal%20Tax%20Administration%20%28SFTA%29%20but%20without%20revealing%20the%20client%27s%20identity%2E%20The%20SFTA%20in%20turn%20would%20forward%20the%20amount%20to%20the%20tax%20authorities%20of%20the%20country%20where%20the%20client%20is%20resident%20for%20tax%20purposes%2C%20just%20as%20is%20currently%20the%20case%20under%20the%20agreement%20with%20the%20EU%20on%20the%20taxation%20of%20savings%20income%2E%20The%20new%20tax%20would%20be%20of%20a%20final%20nature%20in%20legal%20terms%3B%20in%20other%20words%2C%20it%20would%20constitute%20a%20definitive%20tax%20assessment%2E%20After%20the%20agent%20in%20Switzerland%20has%20deducted%20the%20tax%2C%20the%20bank%20client%20would%20%AD%20from%20the%20perspective%20of%20his%20home%20tax%20authorities%20%AD%20automatically%20have%20fulfilled%20his%20tax%20obligations%20with%20regard%20to%20this%20income%2E%20The%20SBA%20believes%20this%20model%20would%20represent%20an%20efficient%20alternative%20to%20a%20system%20of%20automatic%20information%20exchange%2C%20although%20the%20client%20could%20authorise%20an%20information%20exchange%20if%20he%20or%20she%20desires%2E%20james%2Enason%40sba%2Ech%20Pinboard%20Premiere%20in%20Japan%20Im%20Rahmen%20einer%20Wirtschaftsmission%20von%20BR%20Leuthard%20reiste%20Anfang%20Oktober%20erstmals%20eine%20Delegation%20der%20SBVg%20zu%20Lobbying%2DGespr%E4chen%20nach%20Tokio%2E%20W%E4hrend%20zwei%20Tagen%20fanden%20Gespr%E4che%20mit%20hohen%20und%20h%F6chsten%20Vertretern%20des%20japanischen%20Finanzplatzes%20statt%2E%20Unter%20anderem%20standen%20Besuche%20bei%20der%20B%F6rse%2C%20der%20Regulierunsbeh%F6rde%20%ABFinancial%20Services%20Agency%BB%2C%20dem%20Finanzministerium%20sowie%20bei%20Schweizer%20Banken%20auf%20dem%20Programm%2E%20Dabei%20ging%20es%20darum%2C%20erste%20Kontakte%20zu%20kn%FCpfen%2C%20die%20Positionen%20Japans%20und%20der%20Schweiz%20zu%20internationalen%20finanzpolitischen%20Fragen%20zu%20diskutieren%20und%20m%F6gliche%20Kooperationen%20zu%20pr%FCfen%2E%20VR%2DPr%E4sident%20Patrick%20Odier%20und%20CEO%20Urs%20Roth%20beteiligten%20sich%20an%20verschiedenen%20Panel%2DDiskussionen%20eines%20von%20der%20Schweizer%20Botschaft%20organisierten%20Symposiums%2C%20das%20die%20Beziehungen%20der%20beiden%20L%E4nder%20breit%20behandelte%2E%20F%FCr%20die%20Schweizer%20Vertreter%20ging%20es%20vor%20allem%20um%20internationale%20Regulierungstendenzen%20nach%20der%20Krise%20und%20die%20wirtschaftlichen%20Verbindungen%20der%20beiden%20L%E4nder%2E%20jean%2Dmarc%2Efelix%40sba%2Ech%20%ABMieux%20comprendre%20la%20place%20financi%E8re%BB%20La%20premi%E8re%20semaine%20d%27%E9tude%20%ABCommerce%20et%20bourse%BB%20de%20la%20fondation%20%ABLa%20science%20appelle%20les%20jeunes%BB%2C%20qui%20s%27est%20tenue%20du%2021%20au%2026%20septembre%202009%2C%20%E9tait%20plac%E9e%20sous%20cette%20devise%2E%20Jusqu%27%E0%20pr%E9sent%2C%20cette%20fondation%20%E9tait%20surtout%20engag%E9e%20dans%20les%20domaines%20des%20sciences%20naturelles%20et%20de%20la%20technique%2E%20Lors%20de%20la%20premi%E8re%20semaine%20d%27%E9tude%20ax%E9e%20sur%20l%27%E9conomie%2C%20des%20jeunes%20%E2g%E9s%20de%2016%20%E0%2021%20ans%2C%20tr%E8s%20motiv%E9s%2C%20ont%20non%20seulement%20eu%20un%20aper%E7u%20du%20monde%20de%20la%20finance%20mais%20ont%20%E9galement%20appris%2C%20au%20moyen%20d%27un%20petit%20projet%20de%20recherche%2C%20%E0%20traiter%20une%20probl%E9matique%20scientifique%20et%20%E0%20r%E9diger%20un%20rapport%20scientifique%2E%20Outre%20l%27ASB%2C%20UBS%20Investment%20Bank%2C%20Swissquote%2C%20Six%20Swiss%20Exchange%2C%20%ABFinanz%20und%20Wirtschaft%BB%20ainsi%20que%20l%27Universit%E9%20de%20Zurich%20ont%20oeuvr%E9%20pour%20la%20promotion%20de%20la%20rel%E8ve%2E%20Sur%20les%2031%20jeunes%20de%20toute%20la%20Suisse%20ayant%20particip%E9%20%E0%20cette%20semaine%20d%27%E9tude%2C%20l%27ASB%20a%20offert%20la%20possibilit%E9%20%E0%20deux%20d%27entre%20eux%20de%20jeter%20un%20oeil%20derri%E8re%20les%20coulisses%20du%20monde%20de%20la%20finance%20pendant%20cinq%20jours%2E%20Camill%20Droll%2C%20d%27Olten%2C%20titulaire%20d%27une%20maturit%E9%20gymnasiale%2C%20s%27est%20pench%E9%20pendant%20une%20semaine%20sur%20les%20questions%20du%20blanchiment%20d%27argent%20et%20de%20la%20Convention%20relative%20%E0%20l%27obligation%20de%20diligence%20des%20banques%20et%20a%20pr%E9sent%E9%20le%20r%E9sultat%20de%20son%20travail%20sur%20une%20affiche%20intitul%E9e%20%ABLe%20blanchiment%20d%27argent%20aujourd%27hui%BB%2E%20Alexander%20Neff%2C%20lyc%E9en%20de%20Winterthour%2C%20a%20pour%20sa%20part%20%E9tudi%E9%20l%27%E9volution%20d%E9mographique%20de%202010%20%E0%202020%20et%20ses%20cons%E9quences%20pour%20la%20formation%20de%20la%20rel%E8ve%20au%20sein%20des%20banques%2E%20A%20l%27issue%20de%20la%20semaine%20d%27%E9tude%2C%20les%20affiches%20r%E9alis%E9es%20ont%20%E9t%E9%20pr%E9sent%E9es%20au%20public%2E%20Le%20rapport%20final%2C%20les%20affiches%20et%20les%20photos%20de%20la%20pr%E9sentation%20finale%20sont%20disponibles%20sur%20Internet%2C%20%E0%20l%27adresse%20www%2Esjf%2Ech%2E%20tanja%2Erokitzky%40sba%2Ech%20insight%20Dezember%202009%20 %20%204%20Interview%20%ABNachhaltige%20Verankerung%20des%20Schutzes%20der%20Privatsph%E4re%BB%20Patrick%20Odier%2C%20Pr%E4sident%20der%20Schweizerischen%20Bankiervereinigung%20%28SBVg%29%2C%20Senior%20Partner%20Lombard%20Odier%20Darier%20Hentsch%20%26%20Cie%2C%20Genf%20Wo%20wollen%20Sie%20denn%20ansetzen%3F%20Die%20Dringlichkeit%20der%20anstehenden%20Gesch%E4fte%20muss%20das%20Mass%20der%20Dinge%20sein%2E%20Wir%20m%FCssen%20wichtige%20Entscheide%20schneller%20treffen%20und%20uns%20vor%20allem%20auf%20strategische%20Fragen%20konzentrieren%2E%20Die%20ausgezeichneten%20F%E4higkeiten%20des%20SBVg%20Teams%20und%20der%20uns%20zur%20Verf%FCgung%20stehenden%20Spezialisten%20m%FCssen%20effizienter%20genutzt%20werden%2E%20Und%20schliesslich%20m%FCssen%20wir%20den%20Mut%20haben%2C%20zweitrangige%20Traktanden%20zu%20vertagen%2E%20Was%20ist%20Ihre%20grunds%E4tzliche%20Strategie%20f%FCr%20die%20Zukunft%20der%20SBVg%3F%20Herr%20Odier%2C%20Sie%20sind%20seit%20drei%20Monaten%20Pr%E4sident%20der%20SBVg%2E%20Wie%20haben%20Sie%20diese%20Zeit%20erlebt%3F%20Spannend%2C%20intensiv%20und%20bereichernd%2E%20Ich%20habe%20viele%20neue%20Begegnungen%20gehabt%20und%20festgestellt%2C%20dass%20der%20Schweizer%20Finanzplatz%20sehr%20heterogen%20ist%2E%20Auch%20habe%20ich%20gesehen%2C%20dass%20in%20der%20Bankiervereinigung%20sehr%20kompetent%20und%20engagiert%20gearbeitet%20wird%2E%20Dann%20ist%20also%20alles%20gut%2C%20und%20es%20muss%20sich%20nichts%20ver%E4ndern%3F%20In%20Bezug%20auf%20die%20Professionalit%E4t%20und%20das%20Engagement%20muss%20sicher%20nichts%20ge%E4ndert%20werden%2E%20In%20der%20Vergangenheit%20konnten%20sich%20strukturbedingt%20diese%20Eigenschaften%20%AD%20vor%20allem%20unter%20dem%20Zeitdruck%20der%20aktuellen%20Krise%20%AD%20vielleicht%20nicht%20immer%20optimal%20entfalten%2E%20Es%20ist%20daher%20auch%20eine%20meiner%20dringlichsten%20Projekte%2C%20die%20Abl%E4ufe%20innerhalb%20der%20Bankiervereinigung%20und%20ihrer%20Gremien%20zu%20optimieren%2E%20Wo%20sehen%20Sie%20denn%20den%20gr%F6ssten%20Handlungsbedarf%3F%20Erstens%20gilt%20es%2C%20das%20Vertrauen%20in%20den%20Finanzsektor%20wieder%20herzustellen%2C%20vor%20allem%20in%20der%20Schweiz%2C%20aber%20nat%FCrlich%20versuchen%20wir%20auch%2C%20unsere%20Position%20im%20internationalen%20Rahmen%20auszubauen%2E%20Die%20nachhaltige%20Verankerung%20des%20Schutzes%20der%20Privatsph%E4re%20%AD%20also%20die%20Privacy%20%AD%20ist%20ein%20wesentlicher%20Bestandteil%20davon%2E%20Zweitens%20m%FCssen%20die%20Rahmenbedingungen%20in%20der%20Schweiz%20weiter%20verbessert%20werden%2E%20Wir%20m%FCssen%20in%20der%20Lage%20sein%2C%20Anlagefonds%20oder%20strukturierte%20Produkte%20so%20effizientzu%20handhaben%2C%20wie%20unsere%20europ%E4ischen%20Nachbarstaaten%2E%20Davon%20h%E4ngt%20der%20Erhalt%20von%20vielen%20Arbeitspl%E4tzen%20ab%2E%20Drittens%20m%FCssen%20wir%20die%20Zusammenarbeit%20innerhalb%20der%20Banken%20und%20mit%20den%20Beh%F6rden%20und%20Politikern%20verbessern%2EWir%20sollten%20wieder%20mehr%20miteinander%20und%20weniger%20%FCbereinander%20reden%2E%20Und%20viertens%20schliesslich%20gilt%2C%20es%20die%20Vorurteile%20gegen%20Schweizer%20Bankenvertreter%20im%20Ausland%20abzubauen%20und%20den%20Marktzutritt%20zu%20den%20wichtigen%20ausl%E4ndischen%20M%E4rkten%20zu%20verbessern%2E%20Wie%20genau%20wollen%20Sie%20diesen%20Marktzutritt%20verbessern%3F%20Ich%20schaue%20vor%20allem%20die%20Entscheidungs%2D%20und%20teilweise%20die%20Umsetzungsphase%20an%2E%20Recherche%20und%20Analyse%20sind%20sehr%20gut%20und%20professionell%2E%20Einerseits%20muss%20dem%20Ausland%20klar%20gemacht%20werden%2C%20dass%20es%20mit%20der%20%DCbernahme%20von%20OECD%2026%20absolut%20keine%20Be%2D%20Pinboard%20Fortsetzung%20Keine%20Kreditklemme%20Im%20Rahmen%20eines%20%ABRound%20Table%BB%20mit%20dem%20Titel%20%ABKredite%20in%20der%20Klemme%3F%20%AD%20Ein%20partnerschaftlicher%20Dialog%20zwischen%20Finanz%2D%20und%20Werkplatz%BB%20wurde%20im%20Juni%202009%20von%20der%20SBVg%20eine%20verst%E4rkte%20Zusammenarbeit%20zwischen%20den%20Banken%20und%20der%20Industrie%20initiiert%2E%20Ziel%20dieses%20Anlasses%20waren%20die%20F%F6rderung%20des%20gegenseitigen%20Verst%E4ndnisses%2C%20die%20Darlegung%20der%20Bed%FCrfnisse%20und%20die%20Intensivierung%20eines%20konstruktiven%20und%20l%F6sungsorientierten%20Dialogs%20zwischen%20Kreditnehmern%20und%20Kreditgebern%2E%20Diese%20Zusammenarbeit%20hat%20sich%20in%20den%20letzten%20Monaten%20konkretisiert%2E%20Im%20Zentrum%20standen%20erstens%20die%20vertiefte%20Analyse%20des%20Zustands%20der%20Kreditm%E4rkte%20und%20zweitens%20die%20Beurteilung%20und%20Pr%FCfung%20verschiedener%20Alternativen%20zur%20Aufrechterhaltung%20einer%20funktionierenden%20Kreditversorgung%20im%20Falle%20eines%20so%20genannten%20%ABWorst%20Case%20Szenario%BB%2E%20Allerdings%20besteht%20Konsens%2C%20dass%20zur%20Zeit%20in%20der%20Schweiz%20weder%20von%20einer%20Kreditklemme%20noch%20von%20einem%20Marktversagen%20gesprochen%20werden%20kann%2E%20claudia%2Estrub%40sba%2Ech%20%2F%20markus%2Estaub%40sba%2Ech%20New%20Brochure%3A%20%ABSecure%20e%2DBanking%BB%20In%20the%20last%20issue%20of%20insight%20%281%2F09%29%20we%20announced%20that%20the%20Swiss%20Bankers%20Association%20%28SBA%29%20was%20going%20to%20publish%20an%20information%20brochure%20on%20the%20subject%20of%20%ABSecure%20e%2DBanking%BB%2E%20The%20brochure%20was%20indeed%20published%20at%20the%20time%20of%20Swiss%20Bankers%20Day%2E%20It%20covers%20areas%20such%20as%20dangers%20and%20threats%20on%20the%20Internet%2C%20how%20to%20protect%20your%20e%2Dbanking%2C%20the%20dangers%20connected%20with%20third%2Dparty%20internet%20sites%2C%20how%20to%20protect%20your%20sensitive%20data%20and%20general%20precautions%20clients%20can%20take%20to%20safeguard%20the%20security%20of%20their%20e%2Dbanking%2E%20The%20SBA%20designed%20this%20brochure%20with%20the%20express%20intention%20of%20making%20e%2Dbanking%20clients%20aware%20of%20the%20security%20dangers%20lurking%20on%20the%20Internet%20and%20to%20tell%20them%20what%20measures%20they%20can%20take%20to%20protect%20themselves%20against%20some%20of%20the%20threats%20currently%20doing%20the%20rounds%2E%20The%20brochure%20can%20be%20ordered%20in%20German%2C%20French%2C%20Italian%20and%20English%20on%20the%20SBA%20website%20under%20www%2Eswissbanking%2Eorg%2Fshop%20or%20downloaded%20as%20a%20pdf%20from%20the%20%ABInformation%20for%20bank%20clients%BB%20facility%20on%20www%2Eswissbanking%2Eorg%2Fhome%2Fdossierbankkunden%2Ehtm%20We%20intend%20to%20update%20the%20brochure%20regularly%2E%20alexandra%2Earni%40sba%2Ech%20Stabilit%E9%20du%20syst%E8me%20Dans%20une%20nouvelle%20prise%20de%20position%20d%27octobre%202009%2C%20notre%20Association%20a%20analys%E9%20diverses%20propositions%20visant%20%E0%20renforcer%20la%20r%E9glementation%20des%20banques%20et%20%E0%20am%E9liorer%20la%20stabilit%E9%20du%20syst%E8me%2E%20Ce%20document%20est%20disponible%20en%20quatre%20langues%20%28f%2C%20d%2C%20i%2C%20e%29%20sur%20notre%20site%20Internet%2C%20%E0%20l%27adresse%20www%2Eswissbanking%2Eorg%20%28%ABCrise%20financi%E8re%20et%20stabilit%E9%20du%20syst%E8me%20%AD%20Faits%2C%20positions%20et%20arguments%20en%2012%20th%E8ses%BB%29%2E%20L%27axe%20directeur%20en%20est%20que%20la%20stabilit%E9%20du%20syst%E8me%20constitue%20certes%20un%20motif%20de%20r%E9glementation%20l%E9gitime%2C%20mais%20qu%27elle%20ne%20doit%20pas%20%EAtre%20utilis%E9e%20de%20mani%E8re%20illimit%E9e%20pour%20justifier%20des%20durcissements%20non%20coordonn%E9s%20li%E9s%20%E0%20diverses%20exigences%20r%E9glementaires%2E%20Nous%20plaidons%20en%20faveur%20d%27une%20perspective%20globale%2C%20qui%20tient%20compte%20des%20corr%E9lations%20entre%20les%20divers%20instruments%20de%20r%E9glementation%20et%20des%20effets%20cumul%E9s%2E%20A%20cet%20%E9gard%2C%20il%20ne%20faut%20pas%20perdre%20de%20vue%20les%20r%E9percussions%20%E9ventuelles%20des%20durcissements%20r%E9glementaires%20%28par%20ex%2E%20fonds%20propres%2C%20liquidit%E9s%29%20sur%20le%20financement%20du%20cr%E9dit%2E%20markus%2Estaub%40sba%2Ech%20insight%20Dezember%202009%20 %20%205%20rechtigung%20mehr%20gibt%2C%20Finanzdienstleistungen%20aus%20der%20Schweiz%20zu%20diskriminieren%2E%20Andererseits%20ist%20die%20Abgeltungssteuer%20ein%20Angebot%20ans%20interessierte%20Ausland%20%28vgl%2E%20Seite%203%29%2E%20Als%20Gegenleistung%20daf%FCr%20m%FCssen%20gleiche%20Voraussetzungen%20%28level%20playing%20field%29%20f%FCr%20alle%20gelten%2E%20Schweizer%20Kundenberater%20sollten%20sich%20wieder%20frei%20im%20benachbarten%20Ausland%20bewegen%20d%FCrfen%2E%20Welches%20sind%20die%20gr%F6ssten%20Herausforderungen%20f%FCr%20den%20Finanzplatz%20Schweiz%3F%20Eigenkapitals%2C%20des%20Liquidit%E4tsmanagement%20sowie%20der%20Zahlungsf%E4higkeit%20einigen%2E%20Die%20Aufsichtsbeh%F6rden%20sollen%20dann%20ihre%20Zusammenarbeit%20in%20Krisenzeiten%20vertiefen%2E%20Die%20Banken%20sind%20bereit%2C%20in%20Zusammenarbeit%20mit%20den%20Beh%F6rden%2C%20ein%20Risikomanagement%20zu%20definieren%2C%20das%20einen%20Sicherheitspuffer%20ex%20ante%20garantiert%2E%20Und%20falls%20sich%20das%20Risiko%20als%20zu%20gross%20erweist%2C%20muss%20man%20die%20weiteren%20gemeinsamen%20Schritte%20vordefinieren%2C%20um%20der%20Krise%20Herr%20zu%20werden%2E%20W%E4re%20es%20nicht%20einfacher%2C%20die%20Banken%20zu%20verkleinern%3F%20In%20erster%20Linie%20geh%F6rt%20sicher%20die%20Verankerung%20der%20Abgeltungssteuer%20dazu%2E%20Weiter%20muss%20der%20Kunde%20respektive%20die%20Kundin%20wieder%20im%20Zentrum%20unserer%20Aktivit%E4ten%20stehen%20und%20nicht%20der%20eigene%20Profit%2E%20Auch%20was%20Regulierungsfragen%20betrifft%2C%20gilt%20es%20wachsam%20zu%20bleiben%2E%20Es%20besteht%20die%20grosse%20Gefahr%20der%20%DCberregulierung%2E%20Verstehen%20Sie%20mich%20recht%2C%20sinnvollen%20Regulierungen%20verschliessen%20wir%20uns%20nicht%2E%20Aber%20die%20Schweiz%20muss%20aufpassen%2C%20dass%20sie%20sich%20damit%20keine%20Konkurrenznachteile%20einhandelt%2E%20Apropos%20Regulierung%2E%20Was%20halten%20Sie%20von%20Lohnobergrenzen%3F%20Diese%20Diskussion%20destabilisiert%20den%20Finanzplatz%2E%20Die%20Politik%20hat%20nicht%20in%20die%20Gesch%E4ftsstrategie%20von%20Unternehmen%20einzugreifen%2E%20Das%20ist%20Sache%20der%20Kapitalgeber%2E%20Im%20%DCbrigen%20haben%20grosse%20Banken%20%FCber%20alles%20gesehen%20der%20Schweiz%20viel%20mehr%20geholfen%20als%20geschadet%2E%20Es%20ist%20f%FCr%20einen%20Wirtschaftsstandort%20wie%20die%20Schweiz%20enorm%20wichtig%2C%20im%20Finanzbereich%20Leader%20in%20punkto%20Image%2C%20Know%2Dhow%20oder%20Platzierungskraft%20zu%20haben%2E%20Mit%20welchen%20Eigenschaften%20wollen%20Sie%20die%20grossen%20Herausforderungen%20meistern%3F%20Ich%20denke%2C%20ich%20bin%20ein%20guter%20Zuh%F6rer%20und%20Teamplayer%2C%20der%20analytisch%20vorgeht%20und%20sich%20nicht%20vor%20Entscheidungen%20und%20deren%20Umsetzung%20scheut%2E%20Es%20wurde%20teilweise%20hinterfragt%2C%20dass%20Sie%20%2D%20anders%20als%20Pierre%20Mirabaud%20%2D%20weiter%20Senior%20Partner%20bei%20Ihrer%20Bank%20bleiben%20werden%2E%20Untersch%E4tzen%20Sie%20den%20Zeitaufwand%20nicht%3F%20Nichts%2E%20Es%20ist%20sicher%20richtig%2C%20dass%20die%20Frage%20der%20H%F6he%20und%20der%20Ausgestaltung%20von%20Entl%F6hnungssystemen%20auch%20im%20gesellschaftlichen%20Kontext%20angeschaut%20wird%2E%20Aber%20nicht%20der%20Stammtisch%20oder%20politische%20Parteien%20d%FCrfen%20die%20L%F6hne%20festlegen%20oder%20gar%20begrenzen%2C%20sondern%20die%20Aktion%E4re%20resp%2E%20deren%20gew%E4hlte%20Vertreter%2C%20also%20der%20Verwaltungsrat%2E%20Alles%20andere%20widerspricht%20diametral%20unserer%20erfolgreichen%20liberalen%20Wirtschaftsordnung%2E%20Wie%20k%F6nnen%20die%20Systemrisiken%20in%20der%20Schweiz%20verkleinert%20werden%3F%20Die%20Zentralbanken%20k%F6nnen%20sich%20international%20auf%20angemessene%20aufsichtsrechtliche%20Kennzahlen%20im%20Bereich%20des%20Ich%20bleibe%20Senior%20Partner%20auch%20aus%20einem%20Verantwortlichkeitsgef%FChl%20heraus%2C%20da%20ich%20die%20Firma%20zusammen%20mit%20meinen%20Partnern%20erfolgreich%20der%20n%E4chsten%20Generation%20%FCbergeben%20m%F6chte%2E%20Ich%20habe%20mir%20das%20gut%20%FCberlegt%2C%20und%20ich%20denke%2C%20ich%20kann%20beide%20Funktionen%20optimal%20aus%FCben%2E%20Meines%20Erachtens%20kann%20es%20sogar%20befruchtend%20sein%2C%20wenn%20der%20Pr%E4sident%20der%20Bankiervereinigung%20gleichzeitig%20auch%20noch%20stark%20im%20operativen%20Gesch%E4ft%20einer%20Bank%20aktiv%20ist%2E%20Und%20umgekehrt%20kann%20ich%20die%20Interessen%20der%20Kunden%20in%20unsere%20strategischen%20%DCberlegungen%20f%FCr%20die%20Zukunft%20des%20Finanzplatzes%20einbringen%2E%20Im%20%DCbrigen%20kann%20ich%20in%20beiden%20Organisationen%20auf%20sehr%20gute%20Leute%20z%E4hlen%2C%20die%20mich%20unterst%FCtzen%2E%20Verg%FCtungssysteme%20Die%20Eidgen%F6ssische%20Finanzmarktaufsicht%20%28FINMA%29%20sieht%20ein%20neues%20Rundschreiben%20zum%20Themenkomplex%20%ABVerg%FCtungssysteme%BB%20vor%2E%20In%20der%20Stellungnahme%20vom%20August%202009%20hat%20die%20SBVg%20die%20angestrebte%20Verbesserung%20der%20Struktur%20von%20Sal%E4r%2D%20und%20Verg%FCtungssystemen%20im%20Grundsatz%20unterst%FCtzt%2C%20jedoch%20darauf%20hingewiesen%2C%20dass%20der%20Entwurf%20in%20Breite%20und%20Tiefe%20zu%20weit%20geht%2E%20Insbesondere%20ist%20zu%20ber%FCcksichtigen%2C%20dass%20die%20Verg%FCtungspolitik%20ein%20wichtiges%20F%FChrungsinstrument%20von%20Verwaltungsrat%20und%20Gesch%E4ftsleitung%20darstellt%2E%20Zus%E4tzlich%20besteht%20ein%20zentrales%20Anliegen%20darin%2C%20Wettbewerbsnachteile%20f%FCr%20schweizerische%20Institute%20im%20internationalen%20Vergleich%20zu%20verhindern%2E%20Vor%20diesem%20Hintergrund%20kommt%20der%20Beobachtung%20internationaler%20Entwicklungen%20sowie%20von%20Regelungen%20auf%20ausl%E4ndischen%20Finanzpl%E4tzen%20hohe%20Bedeutung%20zu%2E%20Als%20allgemeine%20Richtung%20hat%20die%20SBVg%20empfohlen%2C%20den%20Anwendungsbereich%20des%20neuen%20Rundschreibens%20im%20Sinne%20einer%20weiter%20gehenden%20Differenzierung%20und%20Flexibilisierung%20einzuschr%E4nken%2E%20Mitte%20November%20hat%20die%20FINMA%20die%20definitive%20Fassung%20des%20Rundschreibens%20ver%F6ffentlicht%2C%20die%20Anfang%202010%20in%20Kraft%20tritt%2E%20Wichtige%20Kritikpunkte%20der%20SBVg%20sind%20dabei%20ber%FCcksichtigt%20worden%2E%20markus%2Estaub%40sba%2Ech%20Islande%20%AD%20Banques%20en%20liquidation%20Suite%20%E0%20l%27effondrement%20des%20trois%20grandes%20banques%20islandaises%20%28Glitnir%2C%20Kaupthing%2C%20Landsbanki%29%20%AD%20qui%20constituaient%2085%20%25%20du%20syst%E8me%20bancaire%20int%E9rieur%20%AD%2C%20une%20l%E9gislation%20d%27urgence%20a%20%E9t%E9%20vot%E9e%20par%20le%20Parlement%20en%20octobre%202008%2E%20Sur%20la%20base%20de%20cette%20l%E9gislation%2C%20l%27Autorit%E9%20de%20surveillance%20financi%E8re%20a%20pris%20le%20contr%F4le%20des%20trois%20banques%20islandaises%2E%20Chacune%20des%20trois%20banques%20a%20%E9t%E9%20divis%E9e%20en%20deux%20entit%E9s%20distinctes%3A%20%B7%20desbanquesditesnouvelles%28%ABnewbanks%BB%29%20ont%20%E9t%E9%20cr%E9%E9es%20pour%20satisfaire%20aux%20besoins%20op%E9rationnels%20du%20march%E9%20int%E9rieur%2C%20afin%20que%20l%27%E9conomie%20continue%20%E0%20fonctionner%3B%20%B7%20desbanquesditesanciennes%28%ABoldbanks%BB%29%20conservent%20les%20actifs%20et%20surtout%20les%20engagements%20des%20banques%20%E0%20l%27%E9tranger%20qui%20n%27ont%20pas%20%E9t%E9%20transf%E9r%E9s%20aux%20nouvelles%20banques%3B%20elles%20traitent%20des%20pr%E9tentions%20de%20d%E9posants%20et%20autres%20cr%E9anciers%20%E9trangers%2E%20Les%20administrations%20de%20faillite%20des%20trois%20banques%20ont%20fix%E9%20les%20%E9ch%E9ances%20suivantes%20pour%20d%E9clarer%20les%20cr%E9ances%3A%20%B7%20Landsbanki%3A30octobre2009%20%B7%20GlitnirBank%3A26novembre2009%20%B7%20KaupthingBank%3A30d%E9cembre2009%20Ces%20%E9ch%E9ances%20rev%EAtent%20un%20caract%E8re%20d%E9finitif%2C%20c%27est%2D%E0%2Ddire%20qu%27aucune%20cr%E9ance%20d%E9clar%E9e%20plus%20tard%20ne%20sera%20en%20principe%20admise%2E%20Notre%20Association%2C%20qui%20suit%20l%27%E9volution%20de%20ce%20dossier%20dans%20le%20cadre%20de%20sa%20Commission%20pour%20la%20protection%20des%20int%E9r%EAts%20financiers%20suisses%20%E0%20l%27%E9tranger%2C%20a%20adress%E9%20quatre%20circulaires%20aux%20banques%20sur%20ce%20sujet%2E%20La%20derni%E8re%20d%27entre%20elles%20%28n%B0%207629%2C%20du%2029%20octobre%202009%29%20traite%20de%20la%20marche%20%E0%20suivre%20pour%20d%E9clarer%20les%20cr%E9ances%20dans%20les%20proc%E9dures%20de%20faillite%20en%20cours%2E%20mireille%2Etissot%40sba%2Ech%20insight%20Dezember%202009%20 %20%206%20Erlebnisbericht%3A%20Swiss%20Banking%20%AD%20on%20Air%20an%20der%20Handelsschule%20Surselva%20Mit%20dem%20Ziel%20Jugendliche%20f%FCr%20Finanzplatzthemen%20zu%20sensibilisieren%2C%20hat%20die%20SBVg%20im%20Jahre%202003%20das%20Label%20%ABSwiss%20Banking%20on%20Air%BB%20ins%20Leben%20gerufen%2E%20Die%20interaktiven%20Veranstaltungen%20geben%20Sch%FClerinnen%20und%20Sch%FClern%20von%20Mittelschulen%20die%20M%F6glichkeit%2C%20offene%20Fragen%2C%20eigene%20Positionen%20oder%20Anregungen%20direkt%20und%20auf%20informelle%20Weise%20mit%20Bankern%20zu%20diskutieren%2E%20Inhaltlich%20decken%20die%20Events%20drei%20Themenbl%F6cke%20ab%3A%20Bedeutung%20des%20Finanzplatzes%20f%FCr%20die%20Schweiz%2C%20wichtige%20Finanzplatzthemen%20und%20aktuelle%20Ereignisse%20%28z%2EB%2E%20Bankkundengeheimnis%2C%20Finanzmarktkrise%2C%20Geldw%E4scherei%2C%20On%2D%20und%20Offshore%20Banking%20oder%20Masterplan%20Finanzplatz%20Schweiz%29%20und%20Einstiegsm%F6glichkeiten%20ins%20Banking%2E%20Letzteres%20wird%20meist%20von%20einem%20%2F%20einer%20%ABHR%2DVerantwortlichen%20Nachwuchs%BB%20einer%20ortsans%E4ssigen%20Bank%20pr%E4sentiert%2E%20Pro%20Jahr%20f%FChrt%20die%20SBVg%2C%20unter%20anderem%20in%20Zusammenarbeit%20mit%20Jugend%20und%20Wirtschaft%2C%20rund%2015%20Veranstaltungen%20in%20der%20ganzen%20Schweiz%20mit%20durchschnittlich%2075%20Teilnehmern%20durch%2E%20Am%203%2E%20November%20fand%20an%20der%20Handelsschule%20Surselva%20ein%20solcher%20Anlass%20statt%2E%20Die%20Organisation%20und%20Gestaltung%20des%20Nachmittages%20%FCbernahmen%20die%2022%20Sch%FClerInnen%20der%20Handelsmittelschulklasse%20H2%2E%20Am%20SwissBanking%20Day%20nahmen%20sechs%20weitere%20Klassen%20der%20verschiedensten%20Ausbildungslehrg%E4nge%20%28Handelsmittelschule%2C%20Kaufm%E4nnische%20Berufsschule%20und%20Detailhandelsausbildung%29%20teil%2E%20Der%20folgende%20Erlebnisbericht%20und%20die%20Fotografien%20stammen%20von%20Teilnehmern%2E%20tanja%2Erokitzky%40sba%2Ech%20%ABDie%20Klasse%20H2%20setzte%20sich%20zum%20Ziel%2C%20den%20Nachmittag%20nicht%20nur%20abwechslungsreich%2C%20sondern%20auch%20lehrreich%20zu%20gestalten%2E%20Zu%20den%20Themen%20der%20Referenten%20wurden%20Wettbewerbsfragen%20erarbeitet%2C%20die%20im%20Klassenverband%20gel%F6st%20werden%20mussten%2C%20um%20an%20der%20Preisverleihung%20am%20Ende%20der%20Veranstaltung%20teilnehmen%20zu%20k%F6nnen%2E%20Zwischen%20den%20Referaten%20wurden%20zur%20Auflockerung%20zwei%20Sketches%20zum%20Thema%20Bankkundengeheimnis%20und%20Geldw%E4scherei%20vorbereitet%2E%20Nach%20gut%20zwei%20Stunden%20konnten%20die%20Sch%FClerInnen%20f%FCr%20den%20Schlussspurt%20beim%2C%20von%20SwissBanking%20gesponserten%2C%20Ap%E9ro%2C%20Energie%20auftanken%2E%20Eine%20Gruppe%20von%20Sch%FClerInnen%20bot%20selbstgemachte%20Sandwiches%20und%20Getr%E4nke%20an%2E%20Eine%20weitere%20Gruppe%20gestaltete%20ausserhalb%20der%20Aula%20eine%20Ausstellung%20zum%20Thema%20Geld%20und%20zur%20Bankenlandschaft%20des%20Kantons%20Graub%FCndens%2C%20die%20w%E4hrend%20des%20Ap%E9ros%20von%20den%20Sch%FClerInnen%20besucht%20werden%20konnte%2E%20Um%20den%20Bankenalltag%20ein%20wenig%20an%20der%20Schule%20sp%FCrbar%20zu%20machen%2C%20tauschten%20die%20Sch%FClerInnen%20der%20Klasse%20H2%20ihre%20Alltagskleider%20mit%20der%20typischen%20Berufskleidung%20von%20Bankangestellten%20ein%2E%20F%FCr%20den%20reibungslosen%20und%20angenehmen%20Ablauf%20des%20Nachmittages%20sorgten%20weitere%20Sch%FClerInnen%2C%20die%20f%FCr%20die%20Moderation%2C%20die%20Technik%20und%20f%FCr%20die%20Musikeinlagen%20zust%E4ndig%20waren%2E%20Im%20Rahmen%20des%20Projekt%2D%20und%20Wirtschaftsunterrichtes%20erarbeitete%20die%20Klasse%20H2%20gemeinsam%20mit%20den%20Referenten%20der%20SNB%2C%20SwissBanking%20und%20GKB%20ein%20Konzept%20f%FCr%20einen%20gelungenen%20Nachmittag%2E%BB%20Klasse%20H2%2C%20Handelsschule%20Surselva%2C%20Ilanz%2C%20www%2Ehs%2Dsurselva%2Ech%20Vernehmlassungen%20%28Detaillierte%20Liste%20im%20e%2DPaper%20unter%20www%2Esbvg%2Ech%29%20Teilrevision%20des%20Schuldbetreibungs%2D%20und%20Konkursgesetzes%20%28Sanierungsverfahren%29%2E%20Eingereicht%20am%207%2E%205%2E%202009%2E%20EFD%20Anh%F6rung%20zur%20%C4nderung%20der%20Verrechnungssteuerverordnung%20bez%FCglich%20der%20Freigrenze%20f%FCr%20Zinsen%20von%20Kundenguthaben%2E%20Eingereicht%20am%2015%2E%205%2E%202009%2E%20UeK%2DRS%20Nr%2E1%20Freistellung%20von%20Aktienr%FCckkaufsprogrammen%2E%20Eingereicht%20am%205%2E%206%2E%202009%2E%20CFA%20Institute%20Comments%20on%20Exposure%20Draft%20GIPS%202010%2E%20Eingereicht%20am%209%2E%206%2E%202009%2E%20BJ%20Genehmigung%20und%20Umsetzung%20des%20%DCbereinkommens%20des%20Europarates%20%FCber%20die%20Cyberkriminalit%E4t%2E%20Eingereicht%20am%2029%2E%206%2E%202009%2E%20BJ%20Verordnung%20zum%20Geltungsbereich%20von%20Artikel%202%20Absatz%203%20des%20Geldw%E4schereigesetzes%2E%20Eingereicht%20am%2024%2E%207%2E%202009%2E%20BJ%20Bundesgesetz%20%FCber%20die%20Unternehmensjuristinnen%20und%20%2Djuristen%2E%20Eingereicht%20am%2030%2E%207%2E%202009%2E%20EFD%20Revision%20des%20Versicherungsvertragsgesetzes%2E%20Eingereicht%20am%2030%2E%207%2E%202009%2E%20FINMA%20FINMA%2DRundschreiben%20Verg%FCtungssysteme%2E%20Eingereicht%20am%2013%2E%208%2E%202009%2E%20EJPD%20Umsetzung%20der%20Schengener%20Weiterentwicklung%20im%20Bereich%20des%20Datenschutzes%2E%20Eingereicht%20am%2014%2E%208%2E%202009%2E%20FINMA%20Anh%F6rung%20zur%20Teilrevision%20der%20Eigenmittelverordnung%2E%20Eingereicht%20am%2017%2E%208%2E%202009%2E%20EFV%20EFD%20Anh%F6rung%20zur%20Verordnung%20zum%20neuen%20Mehrwertsteuergesetz%2E%20Eingereicht%20am%209%2E%2010%2E%202009%2E%20Anh%F6rung%20%C4nderung%20Richtlinie%20Rechnungslegung%2E%20Eingereicht%20am%2015%2E%2010%2E%202009%2E%20Stellungnahmen%20zu%20den%20Protokollen%20zur%20%C4nderung%20der%20Doppelbesteuerungsabkommen%20der%20Schweiz%20mit%20D%E4nemark%2C%20Luxemburg%2C%20Grossbritannien%2C%20Norwegen%2C%20Frankreich%2C%20Mexiko%2C%20%D6sterreich%2C%20USA%2C%20Finnland%2C%20Katar%2C%20Singapur%2C%20Spanien%20und%20den%20Niederlanden%20%28in%20chronologischer%20Reihenfolge%29%2E%20Eingereicht%20vom%209%2E%207%2E%20bis%205%2E%2011%2E%202009%2E%20Verordnung%20%FCber%20den%20Vollzug%20der%20Amtshilfe%20nach%20Doppelbesteuerungsabkommen%3B%20erste%20Diskussion%2E%20Eingereicht%20am%206%2E%2011%2E%202009%2E%20SIX%20EST%20V%20EST%20V%20insight%20Dezember%202009%20 %20%207%20Einlegerschutz%3A%20Wem%20dient%20die%20%DCberversicherung%3F%20Der%20Entwurf%20zu%20einem%20Bundesgesetz%20%FCber%20die%20Sicherung%20der%20Bankeinlagen%20%28BesG%29%20ist%20zurzeit%20im%20Vernehmlassungsverfahren%2E%20Demgem%E4ss%20sollen%20die%20gesicherten%20Einlagen%20durch%20einen%20staatlichen%20Fonds%20%28Zielh%F6he%203%25%29%20abgesichert%20werden%2E%20Die%20Einlagen%20sind%20im%20Konkurs%20bis%20zur%20Obergrenze%20von%20CHF%20100%20000%20Einlagen%20privilegiert%2C%20sie%20werden%20aus%20der%20Konkursmasse%20in%20der%202%2E%20Klasse%20vor%20allen%20anderen%20Gl%E4ubigern%20%AD%20mit%20Ausnahme%20der%20Lohnforderungen%20%AD%20bedient%2E%20Da%20die%20Banken%20125%25%20der%20privilegierten%20Einlagen%20durch%20gedeckte%2C%20inl%E4ndische%20Aktiven%20unterlegen%20m%FCssen%20und%2050%25%20ihrer%20jeweiligen%20Beitragspflicht%20zur%20ex%20post%20Finanzierung%20%28Systemobergrenze%20CHF%206%20Mrd%2E%29%20in%20Form%20einer%20Sonderliquidit%E4t%20in%20den%20B%FCchern%20halten%20m%FCssen%2C%20ist%20praktisch%20gew%E4hrleistet%2C%20dass%20die%20gesicherten%20Einlagen%20einer%20Schweizer%20Bank%20im%20Konkursfall%20vollumf%E4nglich%20aus%20der%20Konkursmasse%20bezahlt%20werden%20k%F6nnen%2E%20Das%20Schweizer%20Modell%20ist%20eine%20Liquidit%E4tsbevorschussung%20und%20keine%20Schadensversicherung%2E%20Die%20EU%2DKommission%20stellt%20mit%20Bedauern%20fest%2C%20dass%20das%20Schweizer%20Modell%20in%20der%20EU%20nicht%20umgesetzt%20werden%20kann%2C%20da%20eine%20Vereinheitlichung%20des%20Insolvenzrechtes%20innerhalb%20der%20EU%20zur%20Zeit%20kein%20Thema%20ist%2E%20Warum%20also%20will%20das%20EFD%20mit%20einem%20teuren%20Einlagensicherungsfonds%2C%20welcher%20sehr%20hoch%20alimentiert%20werden%20muss%20%28vergleichbare%20Fonds%20in%20anderen%20Staaten%20kennen%20Zielgrenzen%20von%201%25%20%AD%201%2C5%25%20der%20gesicherten%20Einlagen%29%20die%20bew%E4hrte%20Selbstregulierung%20der%20Banken%20zugunsten%20eines%20amtlich%20administrierten%20Staatsfonds%20ersetzen%3F%20In%20den%20Erl%E4uterungen%20zum%20Gesetzesentwurf%20ist%20die%20Systemsicherung%20das%20zentrale%20Thema%2E%20Mit%20der%20Einlagensicherung%20aber%20kann%20das%20Banksystem%20nicht%20gerettet%20werden%2E%20Dazu%20w%FCrden%20andere%20Mittel%2C%20wie%20zum%20Beispiel%20die%20Versch%E4rfung%20der%20Eigenmittelanforderungen%20oder%20die%20Einf%FChrung%20einer%20Leverage%20Ratio%2C%20dienen%2E%20Auch%20gilt%20es%20die%20Erkenntnisse%20der%20Expertenkommission%20%ABtoo%20big%20to%20fail%BB%20abzuwarten%2E%20Wenn%20neben%20dem%20Konkursprivileg%20und%20der%20125%25%20Deckung%20noch%20ein%20staatlicher%20Fonds%20mit%20CHF%2010%20Mrd%2E%20gefordert%20wird%2C%20stellt%20sich%20die%20Frage%2C%20wem%20eine%20solche%20L%F6sung%20%AD%20die%20zwischen%20CHF%20600%20%AD%20800%20Mio%2E%20pro%20Jahr%20kostet%20%AD%20dient%2E%20Dass%20der%20Fonds%2C%20gem%E4ss%20Gesetzesvorlage%20zur%20Weiterf%FChrung%20von%20Bankdienstleistungen%20verwendet%20werden%20kann%2C%20mag%20sinnvoll%20sein%3B%20hierf%FCr%20braucht%20es%20jedoch%20keine%20CHF%2010%20Mrd%2E%3B%20Nur%20eine%20sehr%20kleine%20Zahl%20der%20Banken%20in%20der%20Schweiz%20verwaltet%20mehr%20als%20CHF%201%20Mrd%2E%20privilegierter%20Einlagen%2E%20Eine%20vern%FCnftige%20Finanzmarktaufsicht%2C%20zusammen%20mit%20dem%20bew%E4hrten%20System%20der%20Einlagensicherung%2C%20gen%FCgt%20f%FCr%20den%20Schutz%20der%20Einleger%2E%20Die%20Mehraufw%E4nde%20f%FCr%20die%20vorgeschlagene%20L%F6sung%20werden%20von%20den%20Kleinsparern%20%28reduzierte%20Verzinsung%20der%20Einlagen%20%29%20resp%2E%20dem%20Gewerbe%20%28Verteuerung%20der%20Kredite%29%20und%20damit%20von%20den%20Kantonen%20%28Verringerung%20des%20Steuersubstrates%29%20bezahlt%2E%20Der%20vorliegende%20Entwurf%20propagiert%20folglich%20eine%20%DCberversicherung%2E%20Wie%20bei%20anderen%20%FCberversicherten%20Situationen%20dient%20dies%20nicht%20dem%20Versicherten%20%AD%20der%20%FCberh%F6hte%20Pr%E4mien%20zu%20gew%E4rtigen%20hat%20%AD%20sondern%20dem%20Versicherer%2E%20In%20diesem%20Fall%20werden%20die%20Kleinsparer%20finanziell%20%FCberbelastet%2E%20Der%20eigentliche%20Zweck%20einer%20Einlagensicherung%20%AD%20der%20Schutz%20der%20Kleinsparer%20patrick%2Eloeb%40sba%2Ech%20%ABWir%20wollen%20die%20Abgeltungssteuer%20als%20Ersatz%20zum%20automatischen%20Infor%20mationsaustausch%20der%20EU%20etablieren%2E%BB%20Patrick%20Odier%2C%20NZZ%20a%2E%20Sonntag%2014%2E%2011%2E%2009%20%ABDie%20Bankiervereinigung%20lehnt%20den%20Systemwechsel%20ab%2E%20Wer%20es%20sich%20leisten%20kann%2C%20wird%20Hypotheken%20amortisie%20ren%20%AD%20womit%20sich%20das%20gesamte%20Risiko%20profil%20verschlechtert%3A%20%3CDie%20guten%20Risiken%20werden%20abgebaut%2C%20die%20schlech%20ten%20bleiben%20bestehen%2E%3E%BB%20Thomas%20Sutter%2C%20zum%20Thema%20Eigenmietwert%2C%20Finanz%20und%20Wirtschaft%2C%208%2E%2011%2E%202009%20%ABC%27est%20inacceptable%2E%20La%20Suisse%20est%20sor%20tie%20de%20la%20liste%20grise%20de%20I%27OCDE%2E%20Mais%20l%27Italie%2C%20qui%20est%20pourtant%20membre%20de%20I%27OCDE%2C%20continue%20de%20g%E9rer%20sa%20propre%20liste%20noire%2E%BB%20Thomas%20Sutter%2C%2024%20heures%2C%2028%2E%2010%2E%202009%20%ABDer%20automatische%20Informations%20austausch%20ist%20untauglich%2C%20wenn%20es%20darum%20geht%2C%20Steuereinnahmen%20zu%20generieren%2E%20Eine%20Abgeltungssteuer%20w%E4re%20viel%20effizienter%2E%BB%20Urs%20Ph%2E%20Roth%2C%20Handelsblatt%2C%20Finanzzeitung%2C%20D%FCsseldorf%2C%2018%2E%209%2E%202009%20%ABDie%20Banken%20bef%FCrworteten%20einen%20starken%20und%20glaubw%FCrdigen%20Einleger%20schutz%2E%20Die%20Vorschl%E4ge%20des%20Bundesrats%20gehen%20aber%20zu%20weit%2E%20Die%20Vorfinanzie%20rung%20eines%20Fonds%20in%20der%20H%F6he%20von%20zehn%20Milliarden%20Franken%20wirkt%20eher%20wie%20ein%20Antikonjunkturprogramm%2E%20Die%20Bankiervereinigung%20will%20an%20der%20jetzigen%20Obergrenze%20festhalten%2E%BB%20Thomas%20Sutter%2C%20Die%20S%FCdostschweiz%2C%2015%2E%209%2E%202009%20I%20Future%20Dachkommunikation%20Grundbildung%20Bank%20Aufgrund%20der%20Notwendigkeit%20nach%20einheitlichen%20Informationsmaterialien%20zur%20Grundbildung%20Bank%2C%20hat%20die%20Gesch%E4ftsstelle%20zusammen%20mit%20einer%20Arbeitsgruppe%20Anfang%202009%20die%20Arbeiten%20f%FCr%20das%20Projekt%20%ABDachkommunikation%20Grundbildung%20Bank%BB%20aufgenommen%2E%20Unter%20der%20neu%20geschaffenen%20Marke%20SwissBanking%20I%20Future%20wird%20die%20SBVg%20ihren%20Mitgliedinstituten%20ab%20Fr%FChjahr%202010%20mit%20einheitlichen%20Informationsmaterialien%20Unterst%FCtzung%20bieten%2C%20um%20als%20Gesamtbranche%20die%20Bildungsangebote%20vorerst%20auf%20Grundbildungsstufe%20mit%20einer%20zielgruppengerechten%20Ansprache%20bekannt%20zu%20machen%2E%20Derzeit%20sind%20eine%20Webseite%20%28www%2Eswissbanking%2Dfuture%2Ech%29%2C%20eine%20Brosch%FCre%20und%20ein%20Flyer%20sowie%20Materialien%20f%FCr%20Informationsveranstaltungen%20und%20Berufsmessen%20vorgesehen%2E%20Ziel%20ist%20es%2C%20potenzielle%20Lernende%2C%20Mittelschulabsolventen%2C%20Eltern%20sowie%20Berufsberater%20anzusprechen%20und%20%FCber%20die%20Vorz%FCge%20einer%20Grundbildung%20in%20der%20Bankbranche%20zu%20informieren%2E%20S%E4mtliche%20Kommunikationsmittel%20werden%20in%20Deutsch%2C%20Franz%F6sisch%20und%20Italienisch%20erh%E4ltlich%20sein%2E%20Die%20Dachkommunikation%20versteht%20sich%20als%20Erg%E4nzung%20zu%20den%20Kommunikationsanstrengungen%20der%20einzelnen%20Institute%20sowie%20regionalen%20Ausbildungskommissionen%2C%20und%20will%20die%20bestehende%20L%FCcke%20im%20Bereich%20der%20allgemeinen%20Brancheninformation%20schliessen%2E%20tanja%2Erokitzky%40sba%2Ech%20%ABSwiss%20law%20and%20even%20the%20OECD%27s%20Model%20Tax%20Convention%20do%20not%20permit%20fishing%20expeditions%2C%20that%20is%2C%20the%20indiscriminate%20trawling%20through%20bank%20accounts%20in%20the%20hope%20of%20finding%20some%20thing%20interesting%2E%20This%20means%20India%20cannot%20simply%20throw%20its%20telephone%20book%20at%20Switzerland%20and%20ask%20if%20any%20of%20these%20people%20have%20a%20bank%20account%20here%2E%BB%20James%20Nason%2C%20Times%20of%20India%2C%2025%2E%208%2E%202009%20Aktuelle%20Interviews%20und%20Stellungnahmen%20im%20Media%20Corner%20%28www%2Esbvg%2Ech%29%2E%20insight%20Dezember%202009%20 %20%20Agenda%2016%2E%20Juni%202009%20Dialog%20Finanz%2D%20und%20Werkplatz%20zur%20Kreditsituation%2C%20Luzern%201%2E%20%AD%203%2E%20Juli%202009%20OECD%20Pilot%20Group%2C%20Paris%2020%2E%20August%202009%20Swiss%20Bankers%60%20Club%20Start%20Raid%20Suisse%20%AD%20Paris%2C%20Messe%20Basel%2024%2E%20August%202009%20Gipfeltreffen%20Chefredaktoren%2C%20Z%FCrich%2024%2E%20August%202009%20US%20staffers%2C%20Z%FCrich%202%2E%20September%202009%20Spitzengespr%E4ch%20mit%20bauenschweiz%2C%20Z%FCrich%204%2E%20%AD%208%2E%20September%202009%20OECD%20%2F%20CIV%20Meeting%2C%20Toronto%2017%2E%20September%202009%20Medienkonferenz%2C%20Z%FCrich%2017%20septembre%202009%20Journ%E9e%20des%20banquiers%2C%20Espace%20Hippom%E8ne%2C%20Gen%E8ve%2017%2E%20September%202009%20Informationstagung%20f%FCr%20Berufsberater%3A%20Bankeinstieg%20f%FCr%20Mittelschulabsolventen%2C%20Bern%2021%2E%20%AD%2025%2E%20September%202009%20Studienwoche%20Schweizer%20Jugend%20forscht%20%ABHandel%20%26%20B%F6rse%BB%2C%20Basel%2023%2E%20September%202009%20MidiMeeting%20mit%20dem%20Schweizerischen%20Verband%20f%FCr%20Strukturierte%20Produkte%20%28SVSP%29%2C%20Bern%2024%2E%20September%202009%20Swiss%20Bankers%60%20Club%20Abendanlass%2C%20M%FCnster%20Basel%201%2E%20%AD%208%2E%20Oktober%202009%20Lobbyingreise%20nach%20Tokio%20und%20Singapur%209%2E%20Oktober%202009%20IOSCO%20conference%20Basel%2013%2E%20Oktober%202009%20Grundlagen%2DSeminar%20GIPS%2C%20Z%FCrich%2015%2E%20Oktober%202009%20BAK%20Herbstprognose%2DTagung%3A%20Finanzplatz%20Schweiz%20%AD%20Quo%20Vadis%3F%20Basel%2027%2E%20%AD%2030%2E%20Oktober%202009%20Lobbyingreise%20nach%20Washington%20und%20New%20York%2028%2E%20Oktober%202009%20Swiss%20Bankers%60%20Club%20mit%20Klaus%20J%2E%20St%F6hlker%2C%20Z%FCrich%203%2E%20November%202009%20Swiss%20Banking%20%AD%20on%20Air%20Kantonsschule%20Sargans%20und%20Handelsmittelschule%20Surselva%2C%20Ilanz%206%2E%20November%202009%20Seminar%20Mehrwertsteuer%3A%20Neue%20Branchenbrosch%FCre%202009%2C%20Z%FCrich%209%20novembre%202009%20Point%20de%20presse%20avec%20des%20journalistes%20romands%2C%20Gen%E8ve%2010%20novembre%202009%20Swiss%20Bankers%60%20Club%20avec%20Pascal%20Gentinetta%2C%20Gen%E8ve%2011%2E%20November%202009%20Spitzengespr%E4ch%20mit%20dem%20Schweizerischen%20Gewerbeverband%2C%20Bern%2013%2E%20November%202009%20Swiss%20Bankers%60%20Club%20mit%20Urs%20Ph%2E%20Roth%2C%20Z%FCrich%2016%20novembre%202009%203rd%20Symposium%20of%20International%20Tax%20Law%2C%20Neuch%E2tel%2017%2E%20November%202009%20IFA%3A%20Informationsaustausch%20nach%20dem%20OECD%2DMusterabkomen%20zur%20Vermeidung%20der%20Doppelbesteuerung%2C%20Z%FCrich%2018%2E%20%2B%2023%2E%20November%202009%20Swiss%20Banking%20%AD%20on%20Air%2C%20Basel%2020%2E%20November%202009%20Besuch%20von%20Prof%2E%20K%2E%20C%2E%20Chan%2C%20Secretary%20for%20Financial%20Services%20%26%20the%20Treasury%2C%20Hongkong%2C%20Z%FCrich%2024%2E%20%AD%2025%2E%20November%20Lobbyingreise%20nach%20Berlin%2027%20novembre%202009%20S%E9minaire%20Taxe%20sur%20la%20valeur%20ajout%E9e%3A%20Nouvelle%20brochure%202009%2C%20Gen%E8ve%201%2E%20Dezember%202009%20Swiss%20Bankers%60%20Club%20mit%20Urs%20Ph%2E%20Roth%2C%20Basel%202%2E%20Dezember%202009%20Seminar%20Steuern%20und%20Wertschriften%202009%2C%20Z%FCrich%203%2E%20Dezember%202009%20Swiss%20Finance%20Forum%20for%20Standards%20and%20Operations%20%AD%20Aktuelle%20Entwicklungen%20von%20Standards%20und%20Solutions%20im%20Fondsgesch%E4ft%2C%20Z%FCrich%203%20d%E9cembre%202009%20Petit%2Dd%E9jeuner%20avec%20les%20repr%E9sentants%20des%20m%E9dias%20suisses%2C%20Bruxelles%204%20d%E9cembre%202009%20S%E9minaire%20Imp%F4ts%20et%20titres%202009%2C%20Gen%E8ve%208%2E%20Dezember%202009%20wpa%2DKaminfeuergespr%E4ch%20mit%20Patrick%20Odier%2C%20Bern%209%20d%E9cembre%202009%20Swiss%20Bankers%60%20Club%20avec%20Claude%2DAlain%20Margelisch%2C%20Gen%E8ve%20Le%20droit%20de%20timbre%20bride%20l%27%E9conomie%20suisse%20Selon%20une%20%E9tude%20r%E9cente%20de%20BAKBASEL%2C%20la%20suppression%20du%20droit%20de%20timbre%20renforcerait%20l%27attrait%20de%20la%20place%20financi%E8re%20suisse%2E%20Aucune%20des%20principales%20places%20financi%E8res%20concurrentes%20de%20la%20Suisse%20ne%20conna%EEt%20de%20taxe%20comparable%2E%20Une%20suppression%20des%20droits%20de%20timbre%20s%27accompagnerait%20d%27une%20baisse%20des%20charges%20financi%E8res%20et%20d%27une%20incitation%20%E0%20investir%20pour%20les%20entreprises%2E%20Une%20hausse%20des%20investissements%20et%20ses%20r%E9percussions%20positives%20sur%20la%20croissance%20favoriseraient%20%E9galement%20une%20augmentation%20des%20revenus%20des%20m%E9nages%20et%20de%20leurs%20d%E9penses%20de%20consommation%2E%20La%20suppression%20des%20droits%20de%20timbre%20permettrait%20une%20hausse%20du%20produit%20int%E9rieur%20brut%20suisse%2C%20corrig%E9e%20de%20l%27influence%20des%20prix%20et%20dans%20une%20situation%20d%27%E9quilibre%20%E0%20long%20terme%2C%20%E9quivalant%20%E0%201%2C2%20%25%2E%20Il%20en%20r%E9sulterait%20%E9galement%20une%20hausse%20de%20l%27emploi%20de%200%2C5%20%25%2C%20ce%20qui%20repr%E9sente%2022%20700%20emplois%2E%20M%EAme%20si%20des%20pertes%20fiscales%20p%E9nalisaient%20les%20finances%20publiques%20%E0%20court%20terme%2C%20l%27endettement%20public%2C%20qui%20se%20serait%20accru%20dans%20les%20premiers%20temps%20du%20fait%20des%20pertes%20fiscales%2C%20serait%20%E0%20nouveau%20combl%E9%20au%20cours%20de%20la%20neuvi%E8me%20ann%E9e%20suivant%20la%20suppression%20du%20droit%20de%20timbre%2E%20L%27%E9tude%20montre%20que%20le%20droit%20de%20timbre%20p%E8se%20non%20seulement%20sur%20la%20place%20financi%E8re%20suisse%20mais%20avant%20tout%20sur%20l%27ensemble%20de%20l%27%E9conomie%20suisse%2E%20jean%2Ebrunisholz%40sba%2Ech%20R%E9percussions%20%E9conomiques%20d%27une%20suppression%20des%20droits%20de%20timbre%20Ecart%20par%20rapport%20au%20sc%E9nario%20de%20base%2010%20ans%20apr%E8s%20la%20suppression%20des%20droits%20de%20timbre%201%20Neumitglieder%20Zwischen%20April%20und%20Oktober%202009%20wurden%20folgende%20Institute%20aufgenommen%3A%20%B7%20CentrumBank%28Schweiz%29AG%20%B7%20MazarsCoresaSA%20%B7%20RoyalBankofScotlandplc%2E%2CEdinburgh%2C%20Zurich%20Branch%20%B7%20VZDepotbankAG%20Param%E8tres%20%E9conomiques%20Produit%20int%E9rieur%20brut%2C%20r%E9el%20Ecart%20absolu%20par%20rapport%20au%20sc%E9nario%20de%20base%20en%20millions%20de%20CHF%20Modification%20en%20%25%20du%20sc%E9nario%20de%20base%20Revenu%20disponible%20des%20m%E9nages%2C%20r%E9el%20Ecart%20absolu%20par%20rapport%20au%20sc%E9nario%20de%20base%20en%20millions%20de%20CHF%20Modification%20en%20%25%20du%20sc%E9nario%20de%20base%206%20747%201%2C2%203%20468%201%2C0%20Neue%20Mitarbeitende%20in%20der%20Gesch%E4ftsstelle%20%B7%20Stephan%20Z%E4hringer%2C%20Mitarbeiter%20Datenbanken%2C%20Controlling%20%26%20Logistik%2C%20seit%20April%202009%20%B7%20Jean%20Brunisholz%2C%20Steuern%2C%20Finanzmarkt%20International%2C%20seit%20Juni%202009%20%B7%20Kristina%20Gasser%2C%20Office%2D%20%26%20Eventmanager%2C%20Kommunikation%2C%20seit%20Juni%202009%20%B7%20Patrick%20Loeb%2C%20Einlagensicherung%2C%20Controlling%20%26%20Logistik%2C%20seit%20Juli%202009%20%B7%20Cathy%20J%60esp%E8re%2C%20Traductrice%2DAssistante%2C%20Finanzmarkt%20International%2C%20seit%20Juli%202009%20%B7%20Michael%20Waldburger%2C%20Wissenschaftlicher%20Mitarbeiter%2C%20Kommunikation%2C%20seit%20September%202009%20%B7%20Claudia%20Farnik%2C%20Assistentin%2C%20Finanzmarkt%20Schweiz%2C%20seit%20November%202009%20%B7%20Karin%20Bollmann%2C%20Sachbearbeiterin%20Datenbanken%2C%20Controlling%20%26%20Logistik%2C%20seit%20November%202009%20Personnes%20exer%E7ant%20une%20activit%E9%20lucrative%20Ecart%20absolu%20en%20nombre%20de%20personnes%20par%20rapport%20au%20sc%E9nario%20de%20base%2022%20660%20Modification%20en%20%25%20du%20sc%E9nario%20de%20base%200%2C5%20Importants%20param%E8tres%20du%20budget%20public%20Total%20des%20recettes%20fiscales%20Ecart%20absolu%20par%20rapport%20au%20sc%E9nario%20de%20base%20en%20millions%20de%20CHF%20Modification%20en%20%25%20du%20sc%E9nario%20de%20base%20273%200%2C2%20Dettes%20de%20la%20Conf%E9d%E9ration%2C%20des%20cantons%2C%20des%20communes%20et%20des%20assurances%20sociales%20Ecart%20absolu%20par%20rapport%20au%20sc%E9nario%20de%20base%20en%20millions%20de%20CHF%20%2D%202112%20Modification%20en%20%25%20du%20sc%E9nario%20de%20base%20%2D%204%2C0%20Nous%20avons%20avis%E9%20divers%20membres%20des%20Chambres%20f%E9d%E9rales%20de%20cette%20%E9tude%20et%20entreprendrons%20d%27autres%20d%E9marches%20en%20faveur%20de%20la%20suppression%20des%20droits%20de%20timbre%2E%20Source%3A%20BAKBASEL%3A%20Pr%E9visions%20%E0%20long%20terme%20actuelles%20de%20BAKBASEL%20jusqu%27en%202020%201%20insight%20Dezember%202009%20 %20%20Vernehmlassungen%20BJ%20EFD%20UeK%2DRS%20Nr%2E1%20CFA%20Institute%20BJ%20EST%20V%20EST%20V%20EFV%20EST%20V%20EST%20V%20BJ%20EFD%20EST%20V%20EST%20V%20EST%20V%20FINMA%20EJPD%20FINMA%20EST%20V%20EST%20V%20EST%20V%20EST%20V%20EST%20V%20EFD%20SIX%20EST%20V%20EST%20V%20EST%20V%20BJ%20FINMA%20Teilrevision%20des%20Schuldbetreibungs%2D%20und%20Konkursgesetzes%20%28Sanierungsverfahren%29%2E%20Eingereicht%20am%207%2E%205%2E%202009%2E%20Anh%F6rung%20zur%20%C4nderung%20der%20Verrechnungssteuerverordnung%20bez%FCglich%20der%20Freigrenze%20f%FCr%20Zinsen%20von%20Kundenguthaben%2E%20Eingereicht%20am%2015%2E5%2E2009%2E%20Freistellung%20von%20Aktienr%FCckkaufsprogrammen%2E%20Eingereicht%20am%205%2E%206%2E%202009%2E%20Comments%20on%20Exposure%20Draft%20GIPS%202010%2E%20Eingereicht%20am%209%2E%206%2E%202009%2E%20Genehmigung%20und%20Umsetzung%20des%20%DCbereinkommens%20des%20Europarates%20%FCber%20die%20Cyberkriminalit%E4t%2E%20Eingereicht%20am%2029%2E%206%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20Doppelbesteuerungsabkommens%20%28DBA%29%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20D%E4nemark%2E%20Eingereicht%20am%209%2E%207%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20Luxemburg%2E%20Eingereicht%20am%209%2E%207%2E%202009%2E%20Verordnung%20zum%20Geltungsbereich%20von%20Artikel%202%20Absatz%203%20des%20Geldw%E4schereigesetzes%2E%20Eingereicht%20am%2024%2E%207%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommenssteuern%20zwischen%20der%20Schweiz%20und%20Grossbritannien%2E%20Eingereicht%20am%2028%2E%207%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20Norwegen%2E%20Eingereicht%20am%2028%2E%207%2E%202009%2E%20Bundesgesetz%20%FCber%20die%20Unternehmensjuristinnen%20und%20%2Djuristen%2E%20Eingereicht%20am%2030%2E%207%2E%202009%2E%20Revision%20des%20Versicherungsvertragsgesetzes%2E%20Eingereicht%20am%2030%2E%207%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20Frankreich%2E%20Eingereicht%20am%203%2E%208%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommenssteuer%20zwischen%20der%20Schweiz%20und%20Mexiko%2E%20Eingereicht%20am%203%2E%208%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20%D6sterreich%2E%20Eingereicht%20am%2010%2E%208%2E%202009%2E%20FINMA%2DRundschreiben%20Verg%FCtungssysteme%2E%20Eingereicht%20am%2013%2E%208%2E%202009%2E%20Umsetzung%20der%20Schengener%20Weiterentwicklung%20im%20Bereich%20des%20Datenschutzes%2E%20Eingereicht%20am%2014%2E%208%2E%202009%2E%20Anh%F6rung%20zur%20Teilrevision%20der%20Eigenmittelverordnung%2E%20Eingereicht%20am%2017%2E%208%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommenssteuern%20zwischen%20der%20Schweiz%20und%20den%20Vereinigten%20Staaten%20von%20Amerika%2E%20Eingereicht%20am%2031%2E%208%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20Finnland%2E%20Eingereicht%20am%202%2E%209%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommenssteuern%20zwischen%20der%20Schweiz%20und%20Katar%2E%20Eingereicht%20am%207%2E%209%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuern%20zwischen%20der%20Schweiz%20und%20Singapur%2E%20Eingereicht%20am%207%2E%209%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20zwischen%20der%20Schweiz%20und%20Spanien%2E%20Eingereicht%20am%2015%2E%209%2E%202009%2E%20Anh%F6rung%20zur%20Verordnung%20zum%20neuen%20Mehrwertsteuergesetz%2E%20Eingereicht%20am%209%2E%2010%2E%202009%2E%20Anh%F6rung%20%C4nderung%20Richtlinie%20Rechnungslegung%2E%20Eingereicht%20am%2015%2E%2010%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommenssteuern%20zwischen%20der%20Schweiz%20und%20den%20Niederlanden%2E%20Eingereicht%20am%205%2E%2011%2E%202009%2E%20Verordnung%20%FCber%20den%20Vollzug%20der%20Amtshilfe%20nach%20Doppelbesteuerungsabkommen%3B%20erste%20Diskussion%2E%20Eingereicht%20am%206%2E%2011%2E%202009%2E%20Protokoll%20zur%20%C4nderung%20des%20DBA%20auf%20dem%20Gebiet%20der%20Einkommens%2D%20und%20Verm%F6genssteuer%20zwischen%20der%20Schweiz%20und%20Polen%2E%20Eingereicht%20am%2023%2E%2011%2E%202009%2E%20Nachrichtenlose%20Verm%F6genswerte%3A%20Teilrevision%20von%20OR%2C%20ZGB%20und%20ZPO%2E%20Eingereicht%20am%2030%2E%2011%2E%202009%2E%20Anh%F6rung%20zu%20Pensions%2D%20und%20Darlehensgesch%E4ften%20mit%20Wertschriften%2E%20Eingereicht%20am%201%2E%2012%2E%202009%2E%20Anhang%20insight%20Dezember%202009%20 %204b3c70157494c3733df7117f6038256e4405e98d2abe420baf2696ccecd1875a