{"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":"czy-lepiej-zbudowac-lub-kupic-bank-w-szwajcarii","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/pl\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","title":{"rendered":"Czy lepiej jest zbudowa\u0107 lub kupi\u0107 bank w Szwajcarii?"},"content":{"rendered":"

Ostatnio wsp\u00f3\u0142pracowali\u015bmy z grupami, kt\u00f3re chc\u0105 kupi\u0107 bank. Jakie s\u0105 moje przemy\u015blenia na temat zalet i wad ubiegania si\u0119 o licencj\u0119 w por\u00f3wnaniu z zakupem firmy podlegaj\u0105cej regulacjom?<\/p>\n\n\n\n

Nabycie podmiotu regulowanego mo\u017ce stanowi\u0107 powa\u017cne wyzwanie, przede wszystkim ze wzgl\u0119du na potencjalne odziedziczenie istniej\u0105cych zobowi\u0105za\u0144 i obowi\u0105zk\u00f3w. Mog\u0105 one obejmowa\u0107 zatrzymanie pracownik\u00f3w, kt\u00f3rzy mog\u0105 nie by\u0107 zgodni z wizj\u0105 nowego kierownictwa, radzenie sobie z cz\u0142onkami zarz\u0105du, kt\u00f3rych reputacja mo\u017ce by\u0107 z\u0142o\u017cona, oraz zarz\u0105dzanie kontami klient\u00f3w z nieodpowiedni\u0105 wiedz\u0105 o kliencie (\"Know Your Customer\").KYC<\/strong>).<\/p>\n\n\n\n

\u00a0Takie odziedziczone kwestie mog\u0105 prowadzi\u0107 do zwi\u0119kszonego ryzyka w zakresie zgodno\u015bci i nieefektywno\u015bci operacyjnej. Na przyk\u0142ad nieodpowiednie procesy KYC mog\u0105 narazi\u0107 sp\u00f3\u0142k\u0119 przejmuj\u0105c\u0105 na kary regulacyjne i utrat\u0119 reputacji. Dlatego te\u017c przeprowadzenie dok\u0142adnej analizy due diligence ma zasadnicze znaczenie dla zidentyfikowa\u0107 i z\u0142agodzi\u0107 te potencjalne zagro\u017cenia<\/a> przed sfinalizowaniem przej\u0119cia.<\/p>\n\n\n\n

Zwykle istniej\u0105ce banki i zarz\u0105dzaj\u0105cy aktywami maj\u0105 r\u00f3wnie\u017c istniej\u0105cych dostawc\u00f3w z zamortyzowanymi rozwi\u0105zaniami, a migracja mo\u017ce sta\u0107 si\u0119 koszmarem.<\/p>\n\n\n\n

\"czerwono-bia\u0142a
Zbuduj bank w Szwajcarii<\/figcaption><\/figure>\n\n\n\n

Zalet\u0105 zakupu licencjonowanej firmy jest to, \u017ce by\u0107 mo\u017ce <\/strong>zaoszcz\u0119dzi\u0107 czas. Mo\u017cna r\u00f3wnie\u017c rozwa\u017cy\u0107 rozwini\u0119cie istniej\u0105cych firm o nowe zasady i us\u0142ugi, takie jak bitcoin.<\/p>\n\n\n\n

Jest to oczywi\u015bcie interesuj\u0105ce, je\u015bli maj\u0105 odpowiednio zarz\u0105dzane CRM lub narz\u0119dzie do zarz\u0105dzania relacjami z klientami. Nale\u017cy zapozna\u0107 si\u0119 z CRM i PMS<\/a> najpierw \u015bcie\u017cka audytu.<\/p>\n\n\n\n

Je\u015bli przejdziesz do scenariusza przej\u0119cia i chcesz kupi\u0107 firm\u0119, by\u0107 mo\u017ce b\u0119dziesz musia\u0142 zbudowa\u0107 nowy zesp\u00f3\u0142, a przy szwajcarskich przepisach... wysoko wykwalifikowanych i drogich lokalnych specjalist\u00f3w. Konieczne b\u0119dzie r\u00f3wnie\u017c z\u0142o\u017cenie wniosku o oficjalne zatwierdzenie zmiany kontroli. Oznacza to, \u017ce organ regulacyjny powinien r\u00f3wnie\u017c zatwierdzi\u0107 nowych w\u0142a\u015bcicieli. Nowy zarz\u0105d powinien sk\u0142ada\u0107 si\u0119 z cz\u0142onk\u00f3w o wysokiej reputacji.<\/p>\n\n\n\n

Organ regulacyjny mo\u017ce r\u00f3wnie\u017c zapyta\u0107, jaki jest nowy model biznesowy i w jaki spos\u00f3b poprawi on obecn\u0105 sytuacj\u0119.<\/p>\n\n\n\n

Po uruchomieniu nowego banku jest r\u00f3wnie\u017c bardzo prawdopodobne, \u017ce g\u0142\u00f3wny nacisk zostanie po\u0142o\u017cony na wp\u0142ywy bankowe. Za ka\u017cdym razem, gdy interesariusz dokonuje jakiegokolwiek rodzaju wp\u0142yw\u00f3w lub wyp\u0142yw\u00f3w, konieczne jest egzekwowanie silnego nadzoru.<\/p>\n\n\n\n

Z\u0142o\u017cono\u015b\u0107 tego procesu w rzeczywisto\u015bci dzia\u0142a dobrze, ale regularnie wymaga aktualizacji. Nie mogliby\u015bmy doradzi\u0107 nic lepszego ni\u017c u\u017cycie narz\u0119dzi naprawczych InvestGlass do z\u0142o\u017conego onboardingu i ci\u0105g\u0142ego monitorowania. Celem jest wykazanie audytorom w dowolnym momencie, \u017ce nale\u017cyta staranno\u015b\u0107, a tak\u017ce kontrole pod k\u0105tem AML, LBA, sankcji i dowodu posiadania \u015brodk\u00f3w zosta\u0142y przeprowadzone dok\u0142adnie. <\/p>\n\n\n\n

Lepiej kupi\u0107 czy zbudowa\u0107?<\/h2>\n\n\n\n

Je\u015bli chodzi o dodanie kolejnego udzia\u0142owca, a nie zmian\u0119 operacji biznesowych w istniej\u0105cej strukturze, zdecydowanie lepiej jest kupi\u0107.<\/p>\n\n\n\n

Teraz, je\u015bli musisz zmieni\u0107 wszystkich w zarz\u0105dzie, w operacjach i w niezgrabnym oprogramowaniu PMS, by\u0107 mo\u017ce lepiej jest zacz\u0105\u0107 co\u015b od zera i ubiega\u0107 si\u0119 o w\u0142asn\u0105 licencj\u0119. To mo\u017ce by\u0107 w\u0142a\u015bciwy moment na wdro\u017cenie narz\u0119dzia do grywalizacji SRI ESG i lepszego onboardingu - dla nast\u0119pnej generacji. <\/p>\n\n\n\n

A ty, kupi\u0142by\u015b czy zbudowa\u0142? <\/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\/pl\/czy-lepiej-zbudowac-lub-kupic-bank-w-szwajcarii\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\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. 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