瑞银的庞大规模究竟带来了更多的风险还是回报？
实力始终不俗 感谢您所做的一切 nunomiguelribeiroabrantes@gmail.com Nuno Miguel Ribeiro Abrantes SWCHEIZ
Imer Gut Kraft Vilen Danke fur alles nunomiguelribeiroabrantes@gmail.com Nuno Miguel Ribeiro Abrantes SWCHEIZ
我的抵押贷款正在续期，瑞银已经与我联系，说他们无法再像以前那样为我提供有吸引力的条件。 后来，我到市场上以比瑞银/瑞士信贷低一半的价格获得了抵押贷款。
我感觉这家巨头似乎在试图把市场推向更高的成本和费用。 换句话说，它试图采取垄断行为。 如果要保护消费者，就必须对该银行进行严格监管。
My mortgage is being renewed and UBS already contacted me to say that they will not be able to offer me attractive terms as before. I then went onto the market and was able to secure a mortgage at HALF the cost of UBS/Credit Suisse.
It feels as though the giant is trying to push the market towards higher costs and charges. In other words it tries to behave like a monopoly. The bank needs some heavy oversight if consumers are to be protected.
瑞士银行的信誉和全球影响力得到了广泛认可。随着瑞士信贷的金融崩溃，这些银行在瑞士和全球的稳固和金融安全形象被颠覆。收购瑞士信贷后，瑞士银行在全球金融更加不稳定的情况下变得更加脆弱。而这正是当今时代潜在的风险。据了解，在收购瑞士信贷银行之前，瑞士银行就已尝试对该金融机构进行重组。
那么，瑞士银行业监督管理机构当时在做什么？
La credibilidad y presencia a nivel mundial, de los bancos suizos, era muy reconocida. Con la quiebra financiera de Credit Suisse, se revirtió esa imagen de solidez y seguridad financiera, de dichos bancos en Suiza, y a nivel mundial. Se vuelve mas frágil el banco UBS, con la adquisición de Credit Sisse, en caso de mayor inestabilidad financiera a nivel mundial. Y eso es un riesgo latente y actual de estos tiempos. Se entiende que se trato de reestructurar dicha institución financiera, antes de dicha adquisición del banco.
Cabe preguntarse, entonces, que estaban haciendo y donde estaban las instituciones de supervisión y reguladoras de bancos de suiza, y porque no actuaron antes?
庞大的瑞银集团既带来了更大的风险，也带来了更多的机会。
Die riesige UBS bietet beides, mehr Risiko und mehr Chancen.
高薪是这个行业的普遍现象。但是，如果业务出了问题，当事人应以私人财产承担责任。
Hohe Löhne sind in dieser Branche sind üblich. Die Person sollte aber mit Privatvermögen haftbar sein, wenn die Geschäfte schief laufen.
对于拥有800万人口的国家来说，瑞银目前的机构显然规模太大了。有一些例子可以说明当一家完全庞大的银行倒闭时会发生什么。
瑞士必须呼吁欧盟介入救援。很明显，这种举动会产生什么后果。瑞士的欧盟成员资格显然是强制性的。
我们将看看会走向何方。但是目前这个问题显然还没有解决。
UBS in it's current set up is clearly too big of a bank for country of 8 million people. There are examples available of what happens when a completely oversized bank collapses.
Switzerland would have to call upon the EU to jump in and rescue. It's pretty clear what consequences this kind of a move would have. The EU membership for Switzerland would clearly be mandatory.
We will see where this is going to go. But it's clearly unresolved at this point in time.
我认为，瑞银决策者50％的奖金应在托管账户、瑞银股票中存放10年，然后再支付。
作为补偿，可以在支付日按较低水平（5-10％）征税。
这将迫使瑞银的决策过程从内部制定出作案手法
I think that 50% of the bonuses of the decision makers of UBS should be held for 10 years in an escrow account, in UBS shares before paid out.
In compensation, they could be taxed at at low level (5-10%) at the paid out date.
This would oblige UBS decision making process to work out a modus operandi from within
感谢你的贡献。瑞士政府已经在制定计划，赋予金融监管机构更大的权力来追究经理的责任。这是议会在未来几个月内需要辩论的问题。https://www.swissinfo.ch/eng/banking-fintech/how-to-tame-ubs-without-making-the-bank-toothless/75541822
Thanks for your contribution. The Swiss government is already making plans give the financial regulator greater powers to hold managers accountable. This is an issue for parliament to debate in the coming months. https://www.swissinfo.ch/eng/banking-fintech/how-to-tame-ubs-without-making-the-bank-toothless/75541822
一些政府，例如英国，救助倒闭的银行（但在时机再好时却得不到回报）。瑞士政府允许瑞士信贷倒闭。为什么？把所有鸡蛋放在一个篮子里是灾难的根源。瑞银现在非常庞大。如果失败了会发生什么？
Some Governments, like the UK, bail out failing banks (but do not get paid back when times are good again). The CH Gov allowed Credit Suisse to fail. Why? Putting all of your eggs in one basket is a recipe for disaster. UBS is now huge. What happens if it fails?
感谢您的贡献 Lynx。瑞银的 “怪物” 辩论是瑞士目前的热门话题。中央银行在政府的支持下，试图通过紧急流动性拯救瑞士信贷，但失败了。还采取了允许 “有序” 破产的措施，但政府似乎并不完全信任该计划。就瑞银而言，这确实引出了 “假设会怎样” 的问题。
Thanks for your contribution Lynx. The 'Monster' UBS debate is a hot topic for Switzerland right now. The central bank, with the backing of the government, tried to rescue Credit Suisse with emergency liquidity - but failed. Measures were also in place to allow an 'orderly' bankruptcy but the government appears not to have fully trusted the plan. This does indeed beg the "what if" question in the case of UBS.
在我看来，我呼吁瑞士政府发起一项民众倡议，收购该银行51％的股份。这样它就可以控制瑞银的所作所为。
En mi opinion,llamaria a una iniciativa popular para que el estado Suizo adquiera el 51% de las acciones del Banco.De esa manera podría controlar lo que hace el UBS.
这是一个有趣的观点，丹尼尔。如果瑞士公民不同意政客的决定，他们总是有机会介入解决问题。目前，政治格局在如何处理 Too Big to Fail 的银行方面存在分歧。决不能排除将来就此事进行公众投票。
That's an interesting point Daniel. Citizens in Switzerland always have the chance to step in to resolve a situation if they don't agree with the decisions of politicians. At the moment, the political landscape is divided on what to do with Too Big to Fail banks. A future public vote on the matter could never be ruled out.
该部在彻底杀死Credit Suiess时做出了完全不成熟和错误的决定。这就是为什么应该让受过良好教育和公正的部长进入事工，而不是让人们只是在公开知识。
收回奖金以及甚至可能对他们处以监禁的惩罚必须是法律规定的。这种恐惧本身将解决99％的问题
Ministry did total immature and wrong decision in killing Credit Suiess completely. Thats why educated and unbiased ministers should be put in ministry and not people just surface knowledge.
Reclaiming back bonus and possibility of even punishing them with jail terms must be in law. This fear itself will solve 99% problems
Win Einfach：
它们越大，掉下来时发出的噪音越大 :-)
Ganz Einfach:
Cuanto más grandes, más ruido hacen al caer :-)
我们在世界各地，不仅在瑞士，都看到，大型银行承担了巨额风险（获得巨额奖金？）。因此，对所有人来说，拥有许多较小的银行可能比拥有更少的大型银行更安全。
We have seen worldwide, not only in Switzerland, that large banks took large risks (for large bonuses?). Consequently it might be safer for all to have many smaller banks rather than fewer large ones.
瑞银银行在瑞士雇用了数千名员工。 但它并没有雇用 50%的瑞士人。因此，回报只属于这些瑞银员工和肥猫经理。然而，大多数瑞士人，尤其是在瑞银持有账户和投资的瑞士人，却要分担风险。我个人会从瑞银撤资。
The UBS bank employs thousands of people in Switzerland. But it does not employ 50% of swiss people. So the rewards are just for these UBS employee and fat-cats managers. The risk is however, shared by most Swiss people, especially those who hold accounts in UBS and investments. I personally would divest from UBS.
系统性风险是巨大的，但只要缓解措施到位，对瑞士来说，净收益可能会很好。 也许政府需要在董事会中占有一席之地
Systemic risk is great but as long as mitigations are in place then net net it's probably going to work out well for Switzerland. Probably the government needs a seat on the board
我宁愿说风险更大。 如果我们看一下过去的银行丑闻，通常是大银行承担了更大的风险，仅仅是出于贪婪（和奖金？）小型银行在完成客户通常需要的任务方面同样高效。
I would rlather say more risk. If we look at past banking scandals it was usually the larger banks who took on larger risks, simply out of greed (and bonuses?). Smaller banks can be equally efficient for the tasks that customers usually need.
瑞银集团的规模使其能够成为综合农业投资的典范......从加纳的可可生产开始。这将是加强对 Savimbo.com 生物多样性信贷的兴趣的有力方法。综合耕作可成倍增加土壤固碳量......改善土壤再生，降低疾病压力......优化所有作物的产量......而且是 100% 瑞士产品。
The size of UBS permits the bank to become a role model for investments in syntropic farming...beginning with Cacao production in Ghana. This would be a robust approach to strengthening interest in the biodiversity credits of Savimbo.com Syntropic farming exponentially increases soil carbon sequestration...improves soil regeneration, lowers disease pressure..optimizes all crop prodiction..and is 100% swiss
大型银行，而不仅仅是在瑞士，已经过于强大。
Large banks, and not just in Switzerland, are already much too powerful.
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