{"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":"est-il-preferable-de-construire-ou-dacheter-une-banque-en-suisse","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/fr\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","title":{"rendered":"Est-il pr\u00e9f\u00e9rable de construire ou d'acheter une banque en Suisse ?"},"content":{"rendered":"

Nous avons r\u00e9cemment collabor\u00e9 avec des groupes qui cherchent \u00e0 acheter une banque. Que pensez-vous des avantages et des inconv\u00e9nients d'une demande de licence par rapport \u00e0 l'achat d'une entreprise r\u00e9glement\u00e9e ?<\/p>\n\n\n\n

L'acquisition d'une entit\u00e9 r\u00e9glement\u00e9e peut pr\u00e9senter des d\u00e9fis importants, principalement en raison de l'h\u00e9ritage potentiel des responsabilit\u00e9s et obligations existantes. Il peut s'agir de conserver des employ\u00e9s qui peuvent ne pas s'aligner sur la vision de la nouvelle direction, de traiter avec des membres du conseil d'administration dont la r\u00e9putation peut \u00eatre complexe, et de g\u00e9rer des comptes clients avec une connaissance insuffisante du client (KYC<\/strong>).<\/p>\n\n\n\n

\u00a0Ces probl\u00e8mes h\u00e9rit\u00e9s du pass\u00e9 peuvent entra\u00eener des risques accrus en mati\u00e8re de conformit\u00e9 et des inefficacit\u00e9s op\u00e9rationnelles. Par exemple, des processus KYC inad\u00e9quats peuvent exposer l'entreprise acqu\u00e9reuse \u00e0 des sanctions r\u00e9glementaires et \u00e0 une atteinte \u00e0 sa r\u00e9putation. Il est donc essentiel de proc\u00e9der \u00e0 un contr\u00f4le pr\u00e9alable approfondi pour identifier et att\u00e9nuer ces risques potentiels<\/a> avant de finaliser l'acquisition.<\/p>\n\n\n\n

En g\u00e9n\u00e9ral, les banques et les gestionnaires d'actifs existants ont \u00e9galement des fournisseurs existants avec des solutions amorties et la migration peut devenir un cauchemar.<\/p>\n\n\n\n

\"bateau
Cr\u00e9er une banque en Suisse<\/figcaption><\/figure>\n\n\n\n

L'avantage d'acheter une entreprise agr\u00e9\u00e9e est que vous pourrez peut-\u00eatre <\/strong>gagner du temps. Vous pouvez \u00e9galement envisager de d\u00e9velopper des activit\u00e9s existantes en appliquant de nouveaux principes et services, tels que le bitcoin.<\/p>\n\n\n\n

Cela est \u00e9videmment int\u00e9ressant s'ils disposent d'un outil de gestion de la relation client (CRM) correctement g\u00e9r\u00e9. Vous devez lire le CRM et PMS<\/a> la piste d'audit en premier lieu.<\/p>\n\n\n\n

Si vous optez pour le sc\u00e9nario de l'acquisition et que vous souhaitez racheter une entreprise, vous devrez peut-\u00eatre constituer une nouvelle \u00e9quipe, et avec la r\u00e9glementation suisse... des professionnels locaux hautement qualifi\u00e9s et co\u00fbteux. Vous devrez \u00e9galement demander l'approbation officielle du changement de contr\u00f4le. Cela signifie que l'autorit\u00e9 de r\u00e9gulation doit \u00e9galement approuver les nouveaux propri\u00e9taires. Le nouveau conseil d'administration doit \u00eatre compos\u00e9 de membres jouissant d'une grande r\u00e9putation.<\/p>\n\n\n\n

L'autorit\u00e9 de r\u00e9gulation peut \u00e9galement vous demander quel est le nouveau mod\u00e8le d'entreprise et comment il am\u00e9liorera la situation actuelle.<\/p>\n\n\n\n

Lors de la cr\u00e9ation de cette nouvelle banque, il est \u00e9galement tr\u00e8s probable que l'accent soit mis sur les entr\u00e9es de fonds. Chaque fois qu'une partie prenante effectue une entr\u00e9e ou une sortie, il est n\u00e9cessaire de mettre en place une surveillance stricte.<\/p>\n\n\n\n

La complexit\u00e9 de ce processus fonctionne bien mais n\u00e9cessite r\u00e9guli\u00e8rement des mises \u00e0 jour. Nous ne saurions trop vous conseiller d'utiliser les outils de rem\u00e9diation d'InvestGlass pour un onboarding complexe et un suivi continu. L'objectif est de d\u00e9montrer aux auditeurs, \u00e0 tout moment, que la diligence raisonnable, ainsi que les contr\u00f4les AML, LBA, les sanctions et la preuve de fonds, ont \u00e9t\u00e9 effectu\u00e9s avec pr\u00e9cision. <\/p>\n\n\n\n

Est-il pr\u00e9f\u00e9rable d'acheter ou de construire ?<\/h2>\n\n\n\n

S'il s'agit d'ajouter un autre actionnaire et de ne pas modifier les activit\u00e9s de l'entreprise dans une structure existante, il est certainement pr\u00e9f\u00e9rable d'acheter.<\/p>\n\n\n\n

Maintenant, si vous devez changer tout le monde au conseil d'administration, dans les op\u00e9rations et dans les logiciels PMS encombrants, il est peut-\u00eatre pr\u00e9f\u00e9rable de repartir de z\u00e9ro et de demander votre propre licence. C'est peut-\u00eatre le bon moment pour mettre en \u0153uvre un outil SRI ESG d'onboarding gamifi\u00e9 et am\u00e9lior\u00e9 - pour la prochaine g\u00e9n\u00e9ration. <\/p>\n\n\n\n

Et vous, ach\u00e8teriez-vous ou construiriez-vous ? <\/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\/fr\/est-il-preferable-de-construire-ou-dacheter-une-banque-en-suisse\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\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\/fr\/est-il-preferable-de-construire-ou-dacheter-une-banque-en-suisse\/\" \/>\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=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Est-il pr\u00e9f\u00e9rable de construire ou d'acheter une banque en Suisse ? | InvestGlass","description":"Comprendre si la construction ou l'achat d'une banque en Suisse est la meilleure strat\u00e9gie pour atteindre vos objectifs financiers.","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\/fr\/est-il-preferable-de-construire-ou-dacheter-une-banque-en-suisse\/","og_locale":"fr_FR","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. What are my thoughts about the pros and cons of applying for a license versus buying","og_url":"https:\/\/www.investglass.com\/fr\/est-il-preferable-de-construire-ou-dacheter-une-banque-en-suisse\/","og_site_name":"InvestGlass","article_published_time":"2021-05-16T19:38:18+00:00","article_modified_time":"2025-10-28T10:33:08+00:00","og_image":[{"width":1600,"height":1079,"url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg","type":"image\/jpeg"}],"author":"InvestGlass","twitter_card":"summary_large_image","twitter_creator":"@investglass","twitter_site":"@investglass","twitter_misc":{"\u00c9crit par":"InvestGlass","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#article","isPartOf":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/"},"author":{"name":"InvestGlass","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24"},"headline":"Is it Better to Build or Buy a Bank in Switzerland?","datePublished":"2021-05-16T19:38:18+00:00","dateModified":"2025-10-28T10:33:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/"},"wordCount":514,"publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"image":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg","keywords":["build or buy a bank"],"articleSection":["Article"],"inLanguage":"fr-FR","copyrightYear":"2021","copyrightHolder":{"@id":"https:\/\/www.investglass.com\/fr\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","url":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","name":"Est-il pr\u00e9f\u00e9rable de construire ou d'acheter une banque en Suisse ? | InvestGlass","isPartOf":{"@id":"https:\/\/www.investglass.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#primaryimage"},"image":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg","datePublished":"2021-05-16T19:38:18+00:00","dateModified":"2025-10-28T10:33:08+00:00","description":"Comprendre si la construction ou l'achat d'une banque en Suisse est la meilleure strat\u00e9gie pour atteindre vos objectifs financiers.","breadcrumb":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#primaryimage","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg","width":1600,"height":1079,"caption":"red and white sail boat on water near city buildings during daytime"},{"@type":"BreadcrumbList","@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"InvestGlass","item":"https:\/\/www.investglass.com\/"},{"@type":"ListItem","position":2,"name":"Is it Better to Build or Buy a Bank in Switzerland?"}]},{"@type":"WebSite","@id":"https:\/\/www.investglass.com\/#website","url":"https:\/\/www.investglass.com\/","name":"InvestGlass","description":"Le CRM souverain suisse","publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"alternateName":"InvestGlass","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.investglass.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":["Organization","Place"],"@id":"https:\/\/www.investglass.com\/#organization","name":"InvestGlass","url":"https:\/\/www.investglass.com\/","logo":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#local-main-organization-logo"},"image":{"@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#local-main-organization-logo"},"sameAs":["https:\/\/x.com\/investglass","https:\/\/www.linkedin.com\/company\/investglass\/","https:\/\/www.youtube.com\/channel\/UCt5r5XgzbSq2KhguJQxCwyA"],"telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"Person","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24","name":"InvestGlass","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","caption":"InvestGlass"},"sameAs":["https:\/\/www.investglass.com"],"url":"https:\/\/www.investglass.com\/fr\/author\/axginvestglass-com\/"},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.investglass.com\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/#local-main-organization-logo","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","width":839,"height":192,"caption":"InvestGlass"}]}},"_links":{"self":[{"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/posts\/29123","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/comments?post=29123"}],"version-history":[{"count":0,"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/posts\/29123\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/media\/29124"}],"wp:attachment":[{"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/media?parent=29123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/categories?post=29123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investglass.com\/fr\/wp-json\/wp\/v2\/tags?post=29123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}