{"id":24827,"date":"2026-04-23T09:40:43","date_gmt":"2026-04-23T08:40:43","guid":{"rendered":"https:\/\/lindemannlaw.ch\/?p=24827"},"modified":"2026-04-23T21:32:50","modified_gmt":"2026-04-23T20:32:50","slug":"des-exigences-de-fonds-propres-plus-strictes-pour-ubs-ne-resolvent-pas-le-probleme-fondamental","status":"publish","type":"post","link":"https:\/\/lindemannlaw.ch\/fr\/insights\/des-exigences-de-fonds-propres-plus-strictes-pour-ubs-ne-resolvent-pas-le-probleme-fondamental\/","title":{"rendered":"Des exigences de fonds propres plus strictes pour UBS ne r\u00e9solvent pas le probl\u00e8me fondamental"},"content":{"rendered":"<p data-start=\"721\" data-end=\"1092\"><em>Par Dr Alexander Lindemann, associ\u00e9 fondateur, Lindemann Law | Publi\u00e9 : avril 2026<\/em><\/p>\n<p data-start=\"721\" data-end=\"1092\">La r\u00e9ponse politique au fiasco de Credit Suisse conduit actuellement \u00e0 des appels en faveur d\u2019un renforcement des exigences de fonds propres pour les banques d\u2019importance syst\u00e9mique. L\u2019objectif est d\u2019\u00e9viter qu\u2019un sc\u00e9nario de crise similaire ne se reproduise \u00e0 l\u2019avenir. Toutefois, une focalisation unilat\u00e9rale sur des exigences de capital plus \u00e9lev\u00e9es reste insuffisante.<\/p>\n<h3 data-section-id=\"16wli8i\" data-start=\"1094\" data-end=\"1159\"><span role=\"text\"><strong data-start=\"1098\" data-end=\"1159\">La confiance comme facteur d\u00e9terminant, et non le capital<\/strong><\/span><\/h3>\n<p data-start=\"1161\" data-end=\"1619\">Le fiasco de Credit Suisse n\u2019est pas principalement le r\u00e9sultat d\u2019une capitalisation insuffisante. Il r\u00e9sulte plut\u00f4t de d\u00e9cisions strat\u00e9giques erron\u00e9es, d\u2019une gestion des risques inad\u00e9quate et d\u2019une perte durable de confiance de la part des clients et des march\u00e9s. M\u00eame des ratios de fonds propres formellement conformes n\u2019ont pas permis d\u2019enrayer les sorties de d\u00e9p\u00f4ts. Les banques \u00e9chouent rarement par manque de capital, mais bien par manque de confiance.<\/p>\n<h3 data-section-id=\"1xi5e8d\" data-start=\"1621\" data-end=\"1689\"><span role=\"text\"><strong data-start=\"1625\" data-end=\"1689\">La r\u00e9gulation dans un contexte de concurrence internationale<\/strong><\/span><\/h3>\n<p data-start=\"1691\" data-end=\"2145\">Les durcissements envisag\u00e9s doivent \u00eatre analys\u00e9s dans un contexte global. Des centres financiers tels que les \u00c9tats-Unis, le Royaume-Uni ou Singapour adoptent des approches r\u00e9glementaires visant \u00e0 concilier stabilit\u00e9 et comp\u00e9titivit\u00e9. Une surr\u00e9glementation en Suisse comporte le risque de voir capitaux, activit\u00e9s et talents se d\u00e9placer vers d\u2019autres juridictions. Pour une place financi\u00e8re \u00e0 vocation internationale, il s\u2019agit d\u2019un facteur d\u00e9terminant.<\/p>\n<h3 data-section-id=\"1n0ry59\" data-start=\"2147\" data-end=\"2185\"><span role=\"text\"><strong data-start=\"2151\" data-end=\"2185\">Stabilit\u00e9 versus comp\u00e9titivit\u00e9<\/strong><\/span><\/h3>\n<p data-start=\"2187\" data-end=\"2591\">Le d\u00e9bat actuel refl\u00e8te un conflit d\u2019objectifs classique : alors que le monde politique, repr\u00e9sent\u00e9 par Karin Keller-Sutter, vise une stabilit\u00e9 maximale et la protection des contribuables, le secteur, notamment par la voix de Sergio Ermotti, met en garde contre des effets n\u00e9gatifs sur la comp\u00e9titivit\u00e9 internationale. Ces deux perspectives sont l\u00e9gitimes, mais exigent une r\u00e9ponse r\u00e9glementaire nuanc\u00e9e.<\/p>\n<h3 data-section-id=\"19secmv\" data-start=\"2593\" data-end=\"2653\"><span role=\"text\"><strong data-start=\"2597\" data-end=\"2653\">Le v\u00e9ritable angle mort : incitations et gouvernance<\/strong><\/span><\/h3>\n<p data-start=\"2655\" data-end=\"3109\">Les enseignements essentiels du fiasco de Credit Suisse ne concernent pas le niveau de capital, mais la qualit\u00e9 de la gouvernance d\u2019entreprise. Des incitations inadapt\u00e9es dans les syst\u00e8mes de r\u00e9mun\u00e9ration, des responsabilit\u00e9s floues et des lacunes dans la culture du risque ont largement contribu\u00e9 \u00e0 l\u2019escalade de la crise. Tant que les objectifs de rendement \u00e0 court terme primeront sur une gestion durable des risques, toute r\u00e9forme restera incompl\u00e8te.<\/p>\n<h3 data-section-id=\"1n95lzj\" data-start=\"3111\" data-end=\"3153\"><span role=\"text\"><strong data-start=\"3115\" data-end=\"3153\">Ce qui est d\u00e9terminant aujourd\u2019hui<\/strong><\/span><\/h3>\n<p data-start=\"3155\" data-end=\"3306\">Une \u00e9volution efficace du r\u00e9gime \u00ab too-big-to-fail \u00bb doit aller au-del\u00e0 des exigences de capital et se concentrer notamment sur les \u00e9l\u00e9ments suivants :<\/p>\n<ul data-start=\"3308\" data-end=\"3552\">\n<li data-section-id=\"17o2681\" data-start=\"3308\" data-end=\"3382\">renforcer la gouvernance d\u2019entreprise et clarifier les responsabilit\u00e9s<\/li>\n<li data-section-id=\"4qmt8r\" data-start=\"3383\" data-end=\"3466\">am\u00e9liorer l\u2019efficacit\u00e9 de la surveillance et l\u2019application coh\u00e9rente des r\u00e8gles<\/li>\n<li data-section-id=\"7lusg9\" data-start=\"3467\" data-end=\"3552\">revoir les structures de r\u00e9mun\u00e9ration afin d\u2019\u00e9viter des incitations inappropri\u00e9es<\/li>\n<\/ul>\n<h3 data-section-id=\"hqtdoa\" data-start=\"3554\" data-end=\"3593\"><span role=\"text\"><strong data-start=\"3558\" data-end=\"3593\">La perspective de Lindemann Law<\/strong><\/span><\/h3>\n<p data-start=\"3595\" data-end=\"3910\">Pour les institutions financi\u00e8res, les gestionnaires d\u2019actifs et les investisseurs, il est essentiel de ne pas consid\u00e9rer les \u00e9volutions r\u00e9glementaires de mani\u00e8re isol\u00e9e. La conception des r\u00e8gles TBTF aura un impact direct sur les mod\u00e8les d\u2019affaires, les d\u00e9cisions d\u2019implantation et la comp\u00e9titivit\u00e9 internationale.<\/p>\n<p data-start=\"3912\" data-end=\"4097\">Les entreprises devraient donc analyser en amont les effets potentiels des adaptations r\u00e9glementaires sur leur structure de capital, leur gouvernance et leur positionnement strat\u00e9gique.<\/p>\n<p data-start=\"4099\" data-end=\"4258\"><strong data-start=\"4099\" data-end=\"4132\">Lire le commentaire complet :<\/strong> <a href=\"https:\/\/www.fuw.ch\/ubs-strengere-kapitalregeln-verfehlen-das-eigentliche-problem-224239375613\"><span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Finanz und Wirtschaft<\/span><\/span>\u00a0\u2013 \u201eStrengere Kapitalregeln f\u00fcr UBS verfehlen das eigentliche Problem\u201c<\/a>.<\/p>\n<p data-start=\"4260\" data-end=\"4403\" data-is-last-node=\"\" data-is-only-node=\"\">Vous avez des questions sur l\u2019impact des \u00e9volutions r\u00e9glementaires sur votre entreprise ? Contactez Lindemann Law pour un conseil personnalis\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Par Dr Alexander Lindemann, associ\u00e9 fondateur, Lindemann Law | Publi\u00e9 : avril 2026 La r\u00e9ponse politique au fiasco de Credit Suisse conduit actuellement \u00e0 des appels en faveur d\u2019un renforcement des exigences de fonds propres pour les banques d\u2019importance syst\u00e9mique. L\u2019objectif est d\u2019\u00e9viter qu\u2019un sc\u00e9nario de crise similaire ne se reproduise \u00e0 l\u2019avenir. Toutefois, une [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":24826,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"Credit Suisse r\u00e9gulation bancaire Suisse","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"Le renforcement de la r\u00e9gulation bancaire en Suisse apr\u00e8s la crise de Credit Suisse : pourquoi des exigences de fonds propres plus \u00e9lev\u00e9es ne suffisent pas et quelles mesures sont r\u00e9ellement 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