{"id":156,"date":"2023-03-29T09:39:12","date_gmt":"2023-03-29T07:39:12","guid":{"rendered":"https:\/\/managerverantwortung.bertaeins.ch\/beispiel-seite\/"},"modified":"2023-03-31T15:45:00","modified_gmt":"2023-03-31T13:45:00","slug":"beispiel-seite","status":"publish","type":"page","link":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/","title":{"rendered":"<strong>D\u00e9b\u00e2cle du Cr\u00e9dit Suisse : il est temps de prendre nos responsabilit\u00e9s pour l&rsquo;avenir !<\/strong>"},"content":{"rendered":"\n    <section class=\"darum-gehts-block\">\n        <div class=\"darum_gehts_block_bg\"><\/div>\n        <div class=\"row\">\n            <div class=\"col-md-12\">\n                <div class=\"darum-gehts-block-content\">\n\n                    \n                    <div class=\"text-block visibleInBackend full\">\n                        \n                                                    <h2>De quoi s&rsquo;agit-il ?<\/h2>\n                        \n                                                    <div class=\"text\">\n                                <p>Nous, les Jeunes Lib\u00e9raux-Radicaux, nous engageons depuis toujours autant pour la libert\u00e9 que pour la responsabilit\u00e9. Le Credit Suisse, banque historique n\u00e9e en 1856 et qui fait partie des banques d&rsquo;importance syst\u00e9mique, a fonc\u00e9 droit dans le mur en raison de ses propres erreurs de gestion et d&rsquo;op\u00e9rations \u00e0 risque men\u00e9es pendant des ann\u00e9es. Le principe de l&rsquo;\u00e9conomie de march\u00e9 exige dans de tels cas que l&rsquo;entreprise soit mise en faillite. C&rsquo;est d&rsquo;ailleurs ce que pr\u00e9voit la r\u00e9glementation \u00ab\u00a0too big to fail\u00a0\u00bb. Selon le Conseil f\u00e9d\u00e9ral, une faillite du Credit Suisse aurait toutefois entra\u00een\u00e9 de nombreux autres acteurs du march\u00e9, mais aussi caus\u00e9 des dommages consid\u00e9rables \u00e0 l&rsquo;\u00e9conomie nationale. C&rsquo;est pourquoi le Conseil f\u00e9d\u00e9ral est intervenu au moyen du droit d&rsquo;urgence.  Le risque financier que la collectivit\u00e9 a pris pour sauver le Credit Suisse s\u2019\u00e9l\u00e8ve \u00e0 209 milliards de francs, du moins pour le moment. <\/p>\n<p>La d\u00e9b\u00e2cle du Credit Suisse r\u00e9v\u00e8le \u00e0 quel point il est important que les organes dirigeants des banques d&rsquo;importance syst\u00e9mique soient conscients de leur responsabilit\u00e9 envers la soci\u00e9t\u00e9.  <\/p>\n<p>Nous regrettons ce qu\u2019il s&rsquo;est pass\u00e9. Mais nous souhaitons \u00e0 pr\u00e9sent nous assurer qu&rsquo;une telle d\u00e9b\u00e2cle ne se reproduise pas. Nous nous engageons donc en faveur d&rsquo;une r\u00e9glementation intelligente et efficace. En outre, les managers doivent \u00eatre davantage tenus responsables sur les plans civil et p\u00e9nal. Car la responsabilit\u00e9 et le lib\u00e9ralisme vont de pair. Enfin, il faut garantir que le droit d&rsquo;urgence ne soit utilis\u00e9 qu&rsquo;en dernier recours pour garantir la stabilit\u00e9 financi\u00e8re. S&rsquo;il devait malgr\u00e9 tout \u00eatre utilis\u00e9, le Tribunal f\u00e9d\u00e9ral devrait \u00e0 l&rsquo;avenir pouvoir en examiner les conditions et le contenu.<\/p>\n                            <\/div>\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <script>\n        var controller = new ScrollMagic.Controller();\n\n        new ScrollMagic.Scene({\n            triggerElement: \".darum-gehts-block .text-block\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".darum-gehts-block .text-block\", \"visibleBlock\")\n            .addTo(controller);\n\n        new ScrollMagic.Scene({\n            triggerElement: \".darum-gehts-block .media-block\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".darum-gehts-block .media-block\", \"visibleBlock\")\n            .addTo(controller);\n\n        new ScrollMagic.Scene({\n            triggerElement: \".darum-gehts-block .link\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".darum-gehts-block .link\", \"visibleBlock\")\n            .addTo(controller);\n    <\/script>\n\n\n\n\n            <section class=\"arguments section-container arguments-6a17703b63802\">\n            <div class=\"block-bg secondary_color\"><\/div>\n\n                <div class=\"row\">\n                    <div class=\"col col-sm-12 \">\n                        <div class=\"block-title-wrapper secondary_color visibleInBackend\">\n                            \n                                                            <h2 class=\"block-title\">Nos exigences concr\u00e8tes :<\/h2>\n                                                    <\/div>\n\n                        <div class=\"container-mini\">\n                            <div class=\"panel-group row accordion-collapse secondary_color visibleInBackend\" id=\"accordion\">\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_1\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b63802\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">1<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Les banques d&rsquo;importance syst\u00e9mique doivent enfin assumer leur responsabilit\u00e9 particuli\u00e8re vis-\u00e0-vis de la soci\u00e9t\u00e9 !<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b63802_1\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                                                                    <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_2\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b63802\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">2<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">La libert\u00e9 va de pair avec la responsabilit\u00e9 ! Les banques d&rsquo;importance syst\u00e9mique ont besoin d&rsquo;un cadre r\u00e9glementaire intelligent et d&rsquo;une autorit\u00e9 de surveillance capable de montrer les dents.<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b63802_2\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                                                                    <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_3\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b63802\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">3<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Fini les excuses ! Les managers doivent \u00eatre davantage responsabilis\u00e9s sur le plan civil et p\u00e9nal.<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b63802_3\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                                                                    <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_4\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b63802\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">4<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Fini la rigolade ! Pas de bonus pour les managers en cas de sauvetage par l&rsquo;\u00c9tat.<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b63802_4\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                                                                    <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_5\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b63802\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">5<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Le droit d&rsquo;urgence doit s\u2019utiliser qu\u2019en cas d\u2019urgence ! Le Tribunal f\u00e9d\u00e9ral doit pouvoir contr\u00f4ler les conditions et le contenu du droit d&rsquo;urgence.<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b63802_5\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                                                                    <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n\n                                            <\/div>\n                <\/div>\n        <\/section>\n\n        <script>\n        var controller = new ScrollMagic.Controller();\n\n        new ScrollMagic.Scene({\n            triggerElement: \".arguments.arguments-6a17703b63802 .block-title-wrapper\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".arguments.arguments-6a17703b63802 .block-title-wrapper\", \"visibleBlock\")\n            .addTo(controller);\n\n        new ScrollMagic.Scene({\n            triggerElement: \".arguments.arguments-6a17703b63802 #accordion\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".arguments.arguments-6a17703b63802 #accordion\", \"visibleBlock\")\n            .addTo(controller);\n\n        new ScrollMagic.Scene({\n            triggerElement: \".arguments.arguments-6a17703b63802 .link\",\n            triggerHook: 0.9,\n            offset: 0\n        })\n            .setClassToggle(\".arguments.arguments-6a17703b63802 .link\", \"visibleBlock\")\n            .addTo(controller);\n    <\/script>\n    \n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2><strong>Art. [[98a]] Constitution f\u00e9d\u00e9rale &#8211; Responsabilit\u00e9 des banques d&rsquo;importance syst\u00e9mique (en bref : \u00ab\u00a0Initiative sur la responsabilit\u00e9 des managers\u00a0\u00bb) <\/strong><\/h2>\n\n\n\n<ol type=\"1\" start=\"1\">\n<li>Les banques d&rsquo;importance syst\u00e9mique ont une responsabilit\u00e9 particuli\u00e8re envers la soci\u00e9t\u00e9.<\/li>\n<\/ol>\n\n\n\n<ol type=\"1\" start=\"2\">\n<li>La Conf\u00e9d\u00e9ration a pour mission d&rsquo;assurer la stabilit\u00e9 du syst\u00e8me financier et de limiter de mani\u00e8re cibl\u00e9e, efficace et efficiente les risques \u00e9manant des banques d&rsquo;importance syst\u00e9mique qui pourraient porter un pr\u00e9judice consid\u00e9rable \u00e0 l&rsquo;\u00e9conomie nationale. A cet effet, elle \u00e9dicte des prescriptions sur l&rsquo;organisation et l&rsquo;exploitation des banques d&rsquo;importance syst\u00e9mique. Ces prescriptions doivent contribuer, en tenant compte des normes internationales, \u00e0 maintenir et \u00e0 promouvoir la capacit\u00e9 d&rsquo;innovation et la comp\u00e9titivit\u00e9 de la place financi\u00e8re suisse. Les principes de ciblage, d&rsquo;efficacit\u00e9 et d&rsquo;efficience s&rsquo;appliquent \u00e9galement \u00e0 ces prescriptions. L&rsquo;organisation et les comp\u00e9tences de l&rsquo;autorit\u00e9 de surveillance doivent s&rsquo;aligner sur les normes internationales.<\/li>\n<\/ol>\n\n\n\n<ol type=\"1\" start=\"3\">\n<li>Si une banque d&rsquo;importance syst\u00e9mique b\u00e9n\u00e9ficie d&rsquo;une mesure de soutien de la part des autorit\u00e9s afin d&rsquo;\u00e9viter un surendettement ou une insolvabilit\u00e9 imminente, ses organes r\u00e9pondent personnellement, de mani\u00e8re illimit\u00e9e et solidaire, des violations fautives de leurs obligations ; les \u00e9ventuelles assurances responsabilit\u00e9 civile des organes ne peuvent pas fournir de prestations d&rsquo;assurance aux organes en cas de faute intentionnelle ou de n\u00e9gligence grave. Les organes concern\u00e9s sont punis de mani\u00e8re appropri\u00e9e en fonction de leur faute, ind\u00e9pendamment de l&rsquo;exercice d&rsquo;\u00e9ventuelles pr\u00e9tentions civiles, si la menace de surendettement ou d&rsquo;insolvabilit\u00e9 est \u00e9cart\u00e9e par une mesure de soutien prise par les autorit\u00e9s. Les \u00e9ventuels bonus vers\u00e9s aux organes doivent \u00eatre r\u00e9cup\u00e9r\u00e9s ; la r\u00e9cup\u00e9ration est limit\u00e9e \u00e0 trois ans au maximum. En outre, il n\u2019est pas permis de verser de bonus aux organes concern\u00e9s durant toute l\u2019application des mesures de soutien prises par les autorit\u00e9s.<\/li>\n<\/ol>\n\n\n\n<ol type=\"1\" start=\"4\">\n<li>Le droit d&rsquo;urgence ne peut \u00eatre utilis\u00e9 qu&rsquo;exceptionnellement et en dernier recours lorsque la stabilit\u00e9 du syst\u00e8me financier est menac\u00e9e. La Conf\u00e9d\u00e9ration est tenue d&rsquo;examiner et de prendre d&rsquo;autres mesures appropri\u00e9es pour garantir la stabilit\u00e9 du syst\u00e8me financier avant de recourir au droit d&rsquo;urgence. Dans tous les cas, le recours au droit d&rsquo;urgence doit \u00eatre limit\u00e9 au strict n\u00e9cessaire et ne doit pas avoir pour effet de restreindre de mani\u00e8re disproportionn\u00e9e les droits des entreprises et des personnes concern\u00e9es. La Conf\u00e9d\u00e9ration est tenue d&rsquo;informer de mani\u00e8re ad\u00e9quate le grand public sur les motifs et les cons\u00e9quences de l&rsquo;application du droit d&rsquo;urgence. Les conditions d&rsquo;application et le contenu du droit d&rsquo;urgence peuvent \u00eatre examin\u00e9s par le Tribunal f\u00e9d\u00e9ral.<\/li>\n<\/ol>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n            <section class=\"arguments section-container arguments-6a17703b6410e\">\n            <div class=\"block-bg secondary_color\"><\/div>\n\n                <div class=\"row\">\n                    <div class=\"col col-sm-12 \">\n                        <div class=\"block-title-wrapper secondary_color visibleInBackend\">\n                            \n                                                            <h2 class=\"block-title\">Concernant les autres points de discussion qui pourraient \u00eatre int\u00e9gr\u00e9s dans le texte de l&rsquo;initiative <\/h2>\n                                                    <\/div>\n\n                        <div class=\"container-mini\">\n                            <div class=\"panel-group row accordion-collapse secondary_color visibleInBackend\" id=\"accordion\">\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_1\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b6410e\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">1<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Extension du champ d&rsquo;application \u00e0 (toutes) les entreprises d&rsquo;importance syst\u00e9mique<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b6410e_1\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                    <p>Les b\u00e9n\u00e9ficiaires des mesures de soutien des autorit\u00e9s sont en premier lieu les entreprises d&rsquo;importance syst\u00e9mique. En Suisse, certaines banques sont jusqu&rsquo;\u00e0 pr\u00e9sent consid\u00e9r\u00e9es comme d&rsquo;importance syst\u00e9mique. Les conditions \u00e0 remplir \u00e0 cet effet sont d\u00e9crites plus en d\u00e9tail dans la loi f\u00e9d\u00e9rale sur les banques et les caisses d&rsquo;\u00e9pargne. La BNS d\u00e9signe les banques d&rsquo;importance syst\u00e9mique. Actuellement, il s&rsquo;agit des deux grandes banques UBS et Credit Suisse, de la Banque cantonale de Zurich, du groupe Raiffeisen et de PostFinance SA. <\/p>\n<p>Il n&rsquo;est toutefois pas exclu que d&rsquo;autres entreprises se trouvant dans une situation similaire b\u00e9n\u00e9ficient de mesures de soutien de la part des autorit\u00e9s (cf. cas Axpo). Dans l&rsquo;int\u00e9r\u00eat de l&rsquo;\u00e9galit\u00e9 juridique, une extension du champ d&rsquo;application serait donc appropri\u00e9e. (cf. \u00e9galement l&rsquo;ancien conseiller f\u00e9d\u00e9ral Johann Schneider Ammann, initiative parlementaire 08.528,Mesures de sauvetage en faveur d&rsquo;entreprises d&rsquo;importance syst\u00e9mique. Eviter les structures incitatives asym\u00e9triques et fixer les responsabilit\u00e9s en cas de dommage, d\u00e9pos\u00e9e le 19 d\u00e9cembre 2008).<\/p>\n<p>Le d\u00e9bat devra \u00eatre men\u00e9 dans le cadre de l&rsquo;assembl\u00e9e g\u00e9n\u00e9rale.<\/p>\n                                                <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_2\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b6410e\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">2<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Exigences plus \u00e9lev\u00e9es en mati\u00e8re de fonds propres (fonds propres de base durs)  <\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b6410e_2\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                    <p>Nous constatons que la question de savoir si une dotation en fonds propres plus \u00e9lev\u00e9e aurait pu emp\u00eacher la d\u00e9b\u00e2cle du Credit Suisse fait l&rsquo;objet d&rsquo;un d\u00e9bat controvers\u00e9 dans la litt\u00e9rature \u00e9conomique.<\/p>\n<p>Dans le sens d&rsquo;une alternative prudentielle ou d&rsquo;un compl\u00e9ment aux sanctions personnelles, la question est de savoir si les banques d&rsquo;importance syst\u00e9mique doivent d\u00e9tenir des fonds propres de base durs (capital-actions et r\u00e9serves ouvertes), car c&rsquo;est le seul moyen de supporter des pertes dans le cadre des activit\u00e9s courantes.<\/p>\n<p>Ce d\u00e9bat devra \u00eatre men\u00e9 dans le cadre de l&rsquo;assembl\u00e9e g\u00e9n\u00e9rale.<\/p>\n                                                <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                                    <div class=\"panel-left\">\n                                        <!-- start panel -->\n                                        <div class=\"panel\">\n                                            <div class=\"panel-heading\">\n                                                <h4 class=\"panel-title\">\n                                                    <div class=\"accordion-toggle accordion_3\" data-toggle=\"collapse\" data-parent=\"#accordion-6a17703b6410e\">\n                                                        <div class=\"row\">\n                                                            <span class=\"list-nr\">3<\/span>\n                                                            <div class=\"col-xs-12\">\n                                                                <p class=\"inline-block-me list-title list-title-1 visible-text\">Indemnisation de la garantie de l&rsquo;Etat par les banques d&rsquo;importance syst\u00e9mique<\/p>\n                                                            <\/div>\n                                                        <\/div>\n                                                    <\/div>\n                                                <\/h4>\n                                            <\/div>\n                                            <div id=\"accordion_6a17703b6410e_3\" class=\"panel-collapse collapse\">\n                                                <div class=\"panel-body\">\n                                                    <p>La Suisse compte 24 banques cantonales, dont 21 b\u00e9n\u00e9ficient d&rsquo;une garantie de l&rsquo;Etat. Le mode d&rsquo;indemnisation de cette garantie varie.<\/p>\n<p>On pourrait par exemple imaginer la r\u00e9glementation suivante (en s&rsquo;inspirant de la r\u00e9glementation de la garantie d&rsquo;Etat pour la ZKB) : <\/p>\n<p>\u00ab\u00a0Les banques d&rsquo;importance syst\u00e9mique versent \u00e0 la Conf\u00e9d\u00e9ration une indemnit\u00e9 pour la garantie de l&rsquo;Etat \u00e0 la charge des d\u00e9penses. L&rsquo;indemnisation est d\u00e9termin\u00e9e selon le mod\u00e8le d&rsquo;assurance (contribution potentielle \u00e0 l&rsquo;assainissement x probabilit\u00e9 d&rsquo;un cas d&rsquo;assainissement). <\/p>\n<p>Voir l&rsquo;indemnisation de la garantie de l&rsquo;Etat par la ZKB : R\u00e8glement relatif \u00e0 l&rsquo;indemnisation de la garantie de l&rsquo;Etat par la Banque cantonale de Zurich du 27 novembre 2014, \u00a7 1 ss. <\/p>\n<p>Pour l&rsquo;octroi de la garantie de l&rsquo;Etat, une banque d&rsquo;importance syst\u00e9mique verserait donc chaque ann\u00e9e \u00e0 la Conf\u00e9d\u00e9ration une indemnit\u00e9 calcul\u00e9e selon un mod\u00e8le d&rsquo;assurance. <\/p>\n<p>Ce d\u00e9bat devra \u00eatre men\u00e9 dans le cadre de l&rsquo;assembl\u00e9e g\u00e9n\u00e9rale.<br \/>\n\u2003<\/p>\n                                                <\/div>\n                                            <\/div>\n\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n\n                                            <\/div>\n                <\/div>\n        <\/section>\n\n        <script>\n        var controller = new ScrollMagic.Controller();\n\n        new ScrollMagic.Scene({\n            triggerElement: \".arguments.arguments-6a17703b6410e .block-title-wrapper\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".arguments.arguments-6a17703b6410e .block-title-wrapper\", \"visibleBlock\")\n            .addTo(controller);\n\n        new ScrollMagic.Scene({\n            triggerElement: \".arguments.arguments-6a17703b6410e #accordion\",\n            triggerHook: 0.8,\n            offset: 0\n        })\n            .setClassToggle(\".arguments.arguments-6a17703b6410e #accordion\", \"visibleBlock\")\n            .addTo(controller);\n\n        new ScrollMagic.Scene({\n            triggerElement: \".arguments.arguments-6a17703b6410e .link\",\n            triggerHook: 0.9,\n            offset: 0\n        })\n            .setClassToggle(\".arguments.arguments-6a17703b6410e .link\", \"visibleBlock\")\n            .addTo(controller);\n    <\/script>\n    \n\n\n\n            <section class=\"form-1-block\">\n            <div class=\"block-bg color\"><\/div>\n                <div class=\"row\">\n                    <div class=\"col-md-12\">\n                        <div class=\"block-title-wrapper visibleInBackend\">\n                                                            <p class=\"block-subtitle\">Newsletter<\/p>\n                            \n                                                    <\/div>\n\n                                                    <div class=\"form color container-mini visibleInBackend\">\n                                <div class=\"frm_forms \" id=\"frm_form_12_container\" >\n<form enctype=\"multipart\/form-data\" method=\"post\" class=\"frm-show-form  frm_js_validate  frm_pro_form  frm_ajax_submit \" id=\"form_newsletter-form-de32\"  >\n<div class=\"frm_form_fields \">\n<fieldset>\n<legend class=\"frm_screen_reader\">Newsletter DE (Gutenberg block Ein Formular)<\/legend>\r\n\r\n<div class=\"frm_fields_container\">\n<input type=\"hidden\" name=\"frm_action\" value=\"create\" \/>\n<input type=\"hidden\" name=\"form_id\" value=\"12\" \/>\n<input type=\"hidden\" name=\"frm_hide_fields_12\" id=\"frm_hide_fields_12\" value=\"\" \/>\n<input type=\"hidden\" name=\"form_key\" value=\"newsletter-form-de32\" \/>\n<input type=\"hidden\" name=\"item_meta[0]\" value=\"\" \/>\n<input type=\"hidden\" id=\"frm_submit_entry_12\" name=\"frm_submit_entry_12\" value=\"224c7740b4\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/156\" \/><div id=\"frm_field_143_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form-select form-anrede\">\r\n    <label for=\"field_anrede-lang_de32\" id=\"field_anrede-lang_de32_label\" class=\"frm_primary_label\">Anrede\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    \t\t<select name=\"item_meta[143]\" id=\"field_anrede-lang_de32\"  data-placeholder=\"Anrede*\"  placeholder=\"Anrede*\" data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Anrede is invalid\" aria-invalid=\"false\"  >\n\t\t\t\t\t<option value=\"\">\n\t\t\t\tAnrede*\t\t\t<\/option>\n\t\t\t\t\t<option  value=\"Herr\">\n\t\t\tHerr\t\t<\/option>\n\t\t\t\t<option  value=\"Frau\">\n\t\t\tFrau\t\t<\/option>\n\t\t\t<\/select>\n\t\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_144_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form-vorname\">\r\n    <label for=\"field_vorname-lang_de32\" id=\"field_vorname-lang_de32_label\" class=\"frm_primary_label\">Vorname\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"text\" id=\"field_vorname-lang_de32\" name=\"item_meta[144]\" value=\"\"  placeholder=\"Vorname*\" data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Name ist ung\u00fcltig\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_145_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form-nachname\">\r\n    <label for=\"field_nachname-lang_de32\" id=\"field_nachname-lang_de32_label\" class=\"frm_primary_label\">Nachname\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"text\" id=\"field_nachname-lang_de32\" name=\"item_meta[145]\" value=\"\"  placeholder=\"Nachname*\" data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Last ist ung\u00fcltig\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_146_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form-partei\">\r\n    <label for=\"field_partei-fieldf18388e6829a66c9c8df32\" id=\"field_partei-fieldf18388e6829a66c9c8df32_label\" class=\"frm_primary_label\">Unternehmen \/ Partei\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"text\" id=\"field_partei-fieldf18388e6829a66c9c8df32\" name=\"item_meta[146]\" value=\"\"  placeholder=\"Unternehmen \/ Partei*\" data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Text ist ung\u00fcltig\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_147_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form-select form-ort\">\r\n    <label for=\"field_ort-field88bf2aafd01a29472f2132\" id=\"field_ort-field88bf2aafd01a29472f2132_label\" class=\"frm_primary_label\">Kanton\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    \t\t<select name=\"item_meta[147]\" id=\"field_ort-field88bf2aafd01a29472f2132\"  data-placeholder=\"Kanton*\"  placeholder=\"Kanton*\" data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Kanton is invalid\" aria-invalid=\"false\"  >\n\t\t\t\t\t<option value=\"\">\n\t\t\t\tKanton*\t\t\t<\/option>\n\t\t\t\t\t<option  value=\"Aargau\">\n\t\t\tAargau\t\t<\/option>\n\t\t\t\t<option  value=\"Appenzell\u00a0Ausserrhoden\">\n\t\t\tAppenzell\u00a0Ausserrhoden\t\t<\/option>\n\t\t\t\t<option  value=\"Appenzell\u00a0Innerrhoden\">\n\t\t\tAppenzell\u00a0Innerrhoden\t\t<\/option>\n\t\t\t\t<option  value=\"Basel-Landschaft\">\n\t\t\tBasel-Landschaft\t\t<\/option>\n\t\t\t\t<option  value=\"Basel-Stadt\">\n\t\t\tBasel-Stadt\t\t<\/option>\n\t\t\t\t<option  value=\"Bern\">\n\t\t\tBern\t\t<\/option>\n\t\t\t\t<option  value=\"Freiburg\">\n\t\t\tFreiburg\t\t<\/option>\n\t\t\t\t<option  value=\"Genf\">\n\t\t\tGenf\t\t<\/option>\n\t\t\t\t<option  value=\"Glarus\">\n\t\t\tGlarus\t\t<\/option>\n\t\t\t\t<option  value=\"Graub\u00fcnden\">\n\t\t\tGraub\u00fcnden\t\t<\/option>\n\t\t\t\t<option  value=\"Jura\">\n\t\t\tJura\t\t<\/option>\n\t\t\t\t<option  value=\"Luzern\">\n\t\t\tLuzern\t\t<\/option>\n\t\t\t\t<option  value=\"Neuenburg\">\n\t\t\tNeuenburg\t\t<\/option>\n\t\t\t\t<option  value=\"Nidwalden\">\n\t\t\tNidwalden\t\t<\/option>\n\t\t\t\t<option  value=\"Obwalden\">\n\t\t\tObwalden\t\t<\/option>\n\t\t\t\t<option  value=\"Schaffhausen\">\n\t\t\tSchaffhausen\t\t<\/option>\n\t\t\t\t<option  value=\"Schwyz\">\n\t\t\tSchwyz\t\t<\/option>\n\t\t\t\t<option  value=\"Solothurn\">\n\t\t\tSolothurn\t\t<\/option>\n\t\t\t\t<option  value=\"St.\u00a0Gallen\">\n\t\t\tSt.\u00a0Gallen\t\t<\/option>\n\t\t\t\t<option  value=\"Tessin\">\n\t\t\tTessin\t\t<\/option>\n\t\t\t\t<option  value=\"Thurgau\">\n\t\t\tThurgau\t\t<\/option>\n\t\t\t\t<option  value=\"Uri\">\n\t\t\tUri\t\t<\/option>\n\t\t\t\t<option  value=\"Waadt\">\n\t\t\tWaadt\t\t<\/option>\n\t\t\t\t<option  value=\"Wallis\">\n\t\t\tWallis\t\t<\/option>\n\t\t\t\t<option  value=\"Zug\">\n\t\t\tZug\t\t<\/option>\n\t\t\t\t<option  value=\"Z\u00fcrich\">\n\t\t\tZ\u00fcrich\t\t<\/option>\n\t\t\t<\/select>\n\t\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_148_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form-email\">\r\n    <label for=\"field_email-lang_de32\" id=\"field_email-lang_de32_label\" class=\"frm_primary_label\">E-Mail\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/label>\r\n    <input type=\"email\" id=\"field_email-lang_de32\" name=\"item_meta[148]\" value=\"\"  placeholder=\"E-Mail*\" data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Bitte geben Sie eine g\u00fcltige E-Mail Adresse ein.\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_149_container\" class=\"frm_form_field form-field  frm_required_field frm_top_container form_checkbox form_checkbox_req vertical_radio\">\r\n    <div  id=\"field_agree-lang_de32_label\" class=\"frm_primary_label\">Hiermit akzeptiere ich die Datenschutzbestimmung.\r\n        <span class=\"frm_required\" aria-hidden=\"true\">*<\/span>\r\n    <\/div>\r\n    <div class=\"frm_opt_container\" aria-labelledby=\"field_agree-lang_de32_label\" role=\"group\">\t\t<div class=\"frm_checkbox\" id=\"frm_checkbox_149-0\"><label for=\"field_agree-lang_de32-0\"><input type=\"checkbox\" name=\"item_meta[149][]\" id=\"field_agree-lang_de32-0\" value=\"Hiermit akzeptiere ich die &lt;a href=&quot;https:\/\/managerverantwortung.bertaeins.ch\/impressum-datenschutzerklaerung\/&quot;&gt;Datenschutzbestimmung&lt;\/a&gt;.*\"  data-reqmsg=\"Dieses Feld darf nicht leer sein.\" aria-required=\"true\" data-invmsg=\"Hiermit akzeptiere ich die Datenschutzbestimmung. is invalid\" aria-invalid=\"false\"   \/> Hiermit akzeptiere ich die <a href=\"https:\/\/managerverantwortung.bertaeins.ch\/impressum-datenschutzerklaerung\/\">Datenschutzbestimmung<\/a>.*<\/label><\/div>\n<\/div>\r\n    \r\n    \r\n<\/div>\n<input type=\"hidden\" name=\"item_meta[150]\" id=\"field_newsletter_abonnieren-lang_de32\" value=\"newsletter_abonnieren\"  data-frmval=\"newsletter_abonnieren\" data-invmsg=\"Newsletter abonieren is invalid\"   \/>\n<div id=\"frm_field_151_container\" class=\"frm_form_field form-field  frm_top_container hidden_lang_field\">\r\n    <label for=\"field_formlang-field08348120a32\" id=\"field_formlang-field08348120a32_label\" class=\"frm_primary_label\">Lang\r\n        <span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n    <\/label>\r\n    <input type=\"text\" id=\"field_formlang-field08348120a32\" name=\"item_meta[151]\" value=\"de\"  data-frmval=\"de\" data-invmsg=\"Text ist ung\u00fcltig\" aria-invalid=\"false\"  \/>\r\n    \r\n    \r\n<\/div>\n<div id=\"frm_field_152_container\" class=\"frm_form_field form-field  frm_none_container\">\r\n    <label for=\"g-recaptcha-response\" id=\"field_4qje32_label\" class=\"frm_primary_label\">reCAPTCHA\r\n        <span class=\"frm_required\" aria-hidden=\"true\"><\/span>\r\n    <\/label>\r\n    <div id=\"field_4qje32\" class=\"frm-g-recaptcha\" data-sitekey=\"6Lc8vj8lAAAAADvL4D4BqHSNj4T5H9GNa68pag5K\" data-size=\"invisible\" data-theme=\"light\"><\/div>\r\n    \r\n    \r\n<\/div>\n\t<input type=\"hidden\" name=\"item_key\" value=\"\" \/>\n\t<input name=\"frm_state\" type=\"hidden\" value=\"IV9Ndr\/kKLXW43CVHJsIGXpQR8pZDAoWDUNbxIH5+Yw=\" \/><div class=\"frm_submit\">\r\n\r\n<button class=\"frm_button_submit frm_final_submit\" type=\"submit\"   formnovalidate=\"formnovalidate\">Absenden<\/button>\r\n\r\n<\/div><\/div>\n<\/fieldset>\n<\/div>\n<\/form>\n<\/div>\n                            <\/div>\n                                            <\/div>\n                <\/div>\n        <\/section>\n\n        <script>\n            var controller = new ScrollMagic.Controller();\n\n            new ScrollMagic.Scene({\n                triggerElement: \".form-1-block .block-title-wrapper\",\n                triggerHook: 0.8,\n                offset: 0\n            })\n                .setClassToggle(\".form-1-block .block-title-wrapper\", \"visibleBlock\")\n                .addTo(controller);\n\n            new ScrollMagic.Scene({\n                triggerElement: \".form-1-block .form\",\n                triggerHook: 0.8,\n                offset: 0\n            })\n                .setClassToggle(\".form-1-block .form\", \"visibleBlock\")\n                .addTo(controller);\n        <\/script>\n    \n\n\n\n            <section class=\"testimonials-block\">\n\n            <div class=\"block-title-wrapper visibleInBackend\">\n                \n                                    <p class=\"block-title\">Testimonials<\/p>\n                            <\/div>\n\n            <div class=\"testimonials-slider visibleInBackend\">\n                                    <div class=\"testimonial-container\">\n                        <div>\n                            <div class=\"testimonial-content equal_h\">\n                                <div>\n                                    <p class=\"text\">Il est temps de prendre nos responsabilit\u00e9s pour l&rsquo;avenir ! <\/p>\n                                    <p class=\"name\">Matthias M\u00fcller<\/p>\n                                    <p class=\"position\">Pr\u00e9sident Jeunes Lib\u00e9raux-Radicaux<\/p>\n                                <\/div>\n                            <\/div>\n\n                                                        <div class=\"testimonial-image-wrapper equal_h\">\n                                <div style=\"background-position: center; background-image: url('https:\/\/managerverantwortung.bertaeins.ch\/wp-content\/uploads\/2023\/03\/Bildschirmfoto-2023-03-29-um-14.24.18-1024x1022.png');\" class=\"testimonial-image\"><\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n        <\/section>\n\n        <script>\n            jQuery(document).ready(function($){\n                $('.testimonials-slider').slick({\n                    dots: false,\n                    arrows: true,\n                    infinite: true,\n                    speed: 1500,\n                    fade: true,\n                    autoplay: false,\n                    slidesToShow: 1,\n                    slidesToScroll: 1,\n                    responsive: [\n                        {\n                            breakpoint: 1001,\n                            settings: {\n                                arrows: false,\n                                dots: true\n                            }\n                        },\n                    ],\n                });\n            });\n        <\/script>\n\n        <script>\n            var controller = new ScrollMagic.Controller();\n\n            new ScrollMagic.Scene({\n                triggerElement: \".testimonials-block .block-title-wrapper\",\n                triggerHook: 0.8,\n                offset: 0\n            })\n                .setClassToggle(\".testimonials-block .block-title-wrapper\", \"visibleBlock\")\n                .addTo(controller);\n\n            new ScrollMagic.Scene({\n                triggerElement: \".testimonials-block .testimonials-slider\",\n                triggerHook: 0.8,\n                offset: 0\n            })\n                .setClassToggle(\".testimonials-block .testimonials-slider\", \"visibleBlock\")\n                .addTo(controller);\n\n        <\/script>\n    \n","protected":false},"excerpt":{"rendered":"<p>Art. [[98a]] Constitution f\u00e9d\u00e9rale &#8211; Responsabilit\u00e9 des banques d&rsquo;importance syst\u00e9mique (en bref : \u00ab\u00a0Initiative sur la responsabilit\u00e9 des managers\u00a0\u00bb)<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"inline_featured_image":false},"acf":[],"_links":{"self":[{"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/pages\/156"}],"collection":[{"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/comments?post=156"}],"version-history":[{"count":23,"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/pages\/156\/revisions"}],"predecessor-version":[{"id":256,"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/pages\/156\/revisions\/256"}],"wp:attachment":[{"href":"https:\/\/managerverantwortung.bertaeins.ch\/fr\/wp-json\/wp\/v2\/media?parent=156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}