{"id":29123,"date":"2021-05-16T21:38:18","date_gmt":"2021-05-16T19:38:18","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29123"},"modified":"2025-10-28T11:33:08","modified_gmt":"2025-10-28T10:33:08","slug":"es-mejor-construir-o-comprar-un-banco-en-suiza","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/es\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","title":{"rendered":"\u00bfEs mejor construir o comprar un banco en Suiza?"},"content":{"rendered":"

Recientemente hemos colaborado con grupos que quieren comprar un banco. Qu\u00e9 opino sobre los pros y los contras de solicitar una licencia frente a comprar una empresa regulada?<\/p>\n\n\n\n

Adquirir una entidad regulada puede plantear importantes retos, principalmente debido a la posible herencia de responsabilidades y obligaciones existentes. Estos pueden incluir la retenci\u00f3n de empleados que pueden no alinearse con la visi\u00f3n de la nueva direcci\u00f3n, tratar con miembros del consejo cuyas reputaciones podr\u00edan ser complejas y gestionar cuentas de clientes con un conocimiento inadecuado de su cliente (KYC<\/strong>).<\/p>\n\n\n\n

\u00a0Estos problemas heredados pueden provocar un aumento de los riesgos de cumplimiento y de la ineficacia operativa. Por ejemplo, unos procesos inadecuados de CSC pueden exponer a la empresa adquirente a sanciones reglamentarias y da\u00f1os a su reputaci\u00f3n. Por lo tanto, es esencial llevar a cabo una diligencia debida exhaustiva para identificar y mitigar estos riesgos potenciales<\/a> antes de finalizar la adquisici\u00f3n.<\/p>\n\n\n\n

Por lo general, los bancos y gestores de activos existentes cuentan tambi\u00e9n con proveedores con soluciones amortizadas y la migraci\u00f3n puede convertirse en una pesadilla.<\/p>\n\n\n\n

\"velero
Construir un banco en Suiza<\/figcaption><\/figure>\n\n\n\n

La ventaja de comprar una empresa autorizada es que usted quiz\u00e1s <\/strong>ahorrar tiempo. Tambi\u00e9n puedes plantearte desarrollar negocios existentes con nuevos principios y servicios, como el bitcoin.<\/p>\n\n\n\n

Obviamente, esto es interesante si disponen de un CRM o herramienta de gesti\u00f3n de las relaciones con los clientes correctamente gestionada. Es necesario leer el CRM y PMS<\/a> pista de auditor\u00eda en primer lugar.<\/p>\n\n\n\n

Si opta por el escenario de la adquisici\u00f3n y desea comprar una empresa, es posible que tenga que crear un nuevo equipo, y con la normativa suiza... profesionales locales altamente cualificados y caros. Tambi\u00e9n tendr\u00e1 que solicitar la aprobaci\u00f3n oficial para el cambio de control. Esto significa que el regulador tambi\u00e9n debe aprobar a los nuevos propietarios. El nuevo consejo de administraci\u00f3n debe estar formado por miembros de gran reputaci\u00f3n.<\/p>\n\n\n\n

El regulador tambi\u00e9n puede preguntarle en qu\u00e9 consiste el nuevo modelo de negocio y c\u00f3mo mejorar\u00e1 la situaci\u00f3n actual.<\/p>\n\n\n\n

Al poner en marcha este nuevo banco, tambi\u00e9n es muy probable que la atenci\u00f3n se centre de forma importante en las entradas de fondos. Cada vez que un interesado realice cualquier tipo de entrada o salida, es necesario aplicar una fuerte vigilancia.<\/p>\n\n\n\n

La complejidad de este proceso funciona realmente bien, pero necesita actualizaciones peri\u00f3dicas. No podr\u00edamos aconsejarle mejor que utilizar las herramientas de remediaci\u00f3n de InvestGlass para la incorporaci\u00f3n compleja y la supervisi\u00f3n continua. El objetivo es demostrar a los auditores, en cualquier momento, que la diligencia debida, as\u00ed como las comprobaciones de AML, LBA, sanciones y prueba de fondos, se llevaron a cabo con precisi\u00f3n. <\/p>\n\n\n\n

\u00bfEs mejor comprar o construir?<\/h2>\n\n\n\n

Si se trata de a\u00f1adir otro accionista y no cambiar las operaciones comerciales en una estructura existente, definitivamente es mejor comprar.<\/p>\n\n\n\n

Ahora bien, si tiene que cambiar a todo el mundo en la junta directiva, en las operaciones y en el torpe software PMS, quiz\u00e1 sea mejor empezar algo desde cero y solicitar su propia licencia. Este podr\u00eda ser el momento adecuado para implantar una herramienta para la gamificaci\u00f3n y la mejora de la onboarding de SRI ESG - para la pr\u00f3xima generaci\u00f3n. <\/p>\n\n\n\n

Y t\u00fa, \u00bfcomprar\u00edas o construir\u00edas? <\/p>","protected":false},"excerpt":{"rendered":"

We recently collaborated with groups that are looking to buy a bank. What are my thoughts about the pros and cons of applying for a license versus buying a regulated company? \u200bAcquiring a regulated entity can present significant challenges, primarily due to the potential inheritance of existing liabilities and obligations.\u00a0These may include retaining employees who […]<\/p>\n","protected":false},"author":1,"featured_media":29124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[388],"class_list":["post-29123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-build-or-buy-a-bank"],"yoast_head":"\nIs it Better to Build or Buy a Bank in Switzerland? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand whether building or buying a bank in Switzerland is the best strategy for your financial goals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/es\/es-mejor-construir-o-comprar-un-banco-en-suiza\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it Better to Build or Buy a Bank in Switzerland?\" \/>\n<meta property=\"og:description\" content=\"We recently collaborated with groups that are looking to buy a bank. What are my thoughts about the pros and cons of applying for a license versus buying\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/es\/es-mejor-construir-o-comprar-un-banco-en-suiza\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-16T19:38:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-28T10:33:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1079\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u00bfEs mejor construir o comprar un banco en Suiza? | InvestGlass","description":"Comprenda si construir o comprar un banco en Suiza es la mejor estrategia para sus objetivos financieros.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/es\/es-mejor-construir-o-comprar-un-banco-en-suiza\/","og_locale":"es_ES","og_type":"article","og_title":"Is it Better to Build or Buy a Bank in Switzerland?","og_description":"We recently collaborated with groups that are looking to buy a bank. 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