发布时间：2023-03-27
导语：
3月19日，瑞士银行集团（瑞银）与遭受股价冲击的瑞士信贷银行（瑞信）达成了合并协议，瑞银将接管瑞信，以确保瑞士金融稳定，保护瑞士经济。本文由雷梭勒家族办公室根据最新的媒体报导整理。
在瑞士联邦财政部、瑞士国家银行（SNB）和瑞士金融市场监管局（FINMA）的支持下，瑞信和瑞银已于2023年3月19日星期日达成了合并协议。此项合并交易结束后，瑞银将成为续存实体。根据合并协议的条款，瑞信的所有股东将以22.48股瑞信股份换取1股瑞银股份。在合并完成之前，瑞信将继续按正常程序开展业务，并与瑞银合作落实其重组措施。瑞士国家银行将向瑞信提供大量额外流动性援助。根据瑞士联邦委员会正在发布的紧急法令，合并可以在不经股东批准的情况下实施。合并的完成仍然受制于常规的成交条件。
资料来源：
https://www.credit-suisse.com/about-us-news/en/articles/media-releases/credit-suisse-and-ubs-to-merge-202303.html
通过瑞银接管瑞信，我们已经找到一种解决方案，以确保在这种特殊情况下的金融稳定并保护瑞士经济。这两家银行都可以不受限制地使用瑞士国家银行的现有便利工具，根据 “货币政策工具准则 ”从瑞士国家银行获得流动性。此外，根据联邦委员会的紧急法令，瑞信和瑞银可以在破产时获得具有特权债权人地位的流动性援助贷款，总金额高达1,000亿瑞郎。再进一步根据联邦委员会的紧急法令，瑞士国家银行可以向瑞信提供高达1,000亿瑞郎的流动性援助贷款，并提供联邦违约担保。
资料来源：
https://www.snb.ch/en/mmr/reference/pre_20230319/source/pre_20230319.en.pdf
这一举措将为收购提供充足的流动性。在此基础上，两家银行可以不受任何限制或中断地继续开展所有业务活动。银行的账户、安全账户和其他服务（柜台、自动取款机、电子银行、借记卡和信用卡）也将同样保持正常使用状态，从而确保了储户利益得到保护。
资料来源：
https://www.finma.ch/en/news/2023/03/20230319-mm-cs-ubs/
雷梭勒家族办公室将一如既往地全力为客户提供更多信息。
如需了解更多详情，请查看：
https://www.credit-suisse.com/about-us-news/en/articles/media-releases/credit-suisse-and-ubs-to-merge-202303.html
https://www.snb.ch/en/mmr/reference/pre_20230319/source/pre_20230319.en.pdf
https://www.finma.ch/en/news/2023/03/20230319-mm-cs-ubs/
Original English Text
UBS takes over Credit Suisse
Credit Suisse and UBS have entered into a merger agreement on Sunday March 19th 2023 following the intervention of the Swiss Federal Department of Finance, the Swiss National Bank (SNB) and the Swiss Financial Market Supervisory Authority FINMA (FINMA). UBS will be the surviving entity upon closing of the merger transaction. Under the terms of the merger agreement all shareholders of Credit Suisse will receive 1 share in UBS for 22.48 shares in Credit Suisse. Until consummation of the merger, Credit Suisse will continue to conduct its business in the ordinary course and implement its restructuring measures in collaboration with UBS. The SNB will grant Credit Suisse access to facilities that provide substantial additional liquidity. Pursuant to the emergency ordinance which is being issued by the Swiss Federal Council, the merger can be implemented without approval of the shareholders. The consummation of the merger remains subject to customary closing conditions.
Source:
https://www.credit-suisse.com/about-us-news/en/articles/media-releases/credit-suisse-and-ubs-to-merge-202303.html
With the takeover of Credit Suisse by UBS, a solution has been found to secure financial stability and protect the Swiss economy in this exceptional situation. Both banks have unrestricted access to the SNB’s existing facilities, through which they can obtain liquidity from the SNB in accordance with the ‘Guidelines on monetary policy instruments’. In addition, and based on the Federal Council’s Emergency Ordinance, Credit Suisse and UBS can obtain a liquidity assistance loan with privileged creditor status in bankruptcy for a total amount of up to CHF 100 billion. Furthermore, and based on the Federal Council’s Emergency Ordinance, the SNB can grant Credit Suisse a liquidity assistance loan of up to CHF 100 billion backed by a federal default guarantee.
Source:
https://www.snb.ch/en/mmr/reference/pre_20230319/source/pre_20230319.en.pdf
This will provide sufficient liquidity to carry out the takeover. On this basis, it will be possible to continue all the business activities of the banks with no restrictions or interruptions. This will ensure protection for depositors as accounts, security accounts and other services (counters, ATMs, e-banking, debit and credit cards) will likewise remain accessible as usual.
Source:
https://www.finma.ch/en/news/2023/03/20230319-mm-cs-ubs/
La Soleille Family Office remains at full disposal of its clients for more information.
For more details, please check:
https://www.credit-suisse.com/about-us-news/en/articles/media-releases/credit-suisse-and-ubs-to-merge-202303.html
https://www.snb.ch/en/mmr/reference/pre_20230319/source/pre_20230319.en.pdf
https://www.finma.ch/en/news/2023/03/20230319-mm-cs-ubs/
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