{"id":5798,"date":"2018-10-15T08:53:12","date_gmt":"2018-10-15T06:53:12","guid":{"rendered":"https:\/\/hub.hslu.ch\/retailbanking\/?p=5798"},"modified":"2026-02-11T14:52:51","modified_gmt":"2026-02-11T13:52:51","slug":"libor-ist-bald-tot-es-lebe-saron","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/retailbanking\/libor-ist-bald-tot-es-lebe-saron\/","title":{"rendered":"LIBOR ist (bald) tot, es lebe SARON"},"content":{"rendered":"\n\n\n<p>Die Internationale Organisation der Wertpapieraufsichtsbeh\u00f6rden IOSCO hat weltweit g\u00fcltige Benchmark-Anforderungen definiert. Die EU hat daraufhin eine eigene Benchmark-Regulierung etabliert. Die Schweiz macht es anders: Sie hat keinen offiziellen Benchmark-Regulator. Der Markt und dessen Teilnehmer m\u00fcssen es selber richten.<br>Eine Nationale Arbeitsgruppe f\u00fcr Referenzzinss\u00e4tze in Franken (NAG) bereitet die Reform der CHF-Refenzzinss\u00e4tze vor. In einem IFZ-Webinar haben Dr. Martin Bardenhewer (Co-Chair der NAG) und Alfred Ledermann (Chair Sub-Group Loans &amp; Deposits) informiert. Aufschlussreich waren zwei interaktive Kurzumfragen:<\/p>\n\n\n\n<p>Erste Frage: Stand Ihrer Vorbereitungen?<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>14 Prozent haben Projektpl\u00e4ne und Verantwortlichkeiten definiert<\/li><li>21 Prozent haben begonnen, sie zu analysieren<\/li><li>65 Prozent haben sich noch nicht aktiv mit der LIBOR-Abl\u00f6sung besch\u00e4ftigt<\/li><\/ul>\n\n\n\n<p>Der Trend ist positiv: Der Anteil derer, die noch nicht aktiv wurden, lag vor sechs Monaten noch bei 84 Prozent.<\/p>\n\n\n\n<p>Zweite Frage: Wo ist LIBOR wichtig? (Mehrfachnennungen m\u00f6glich)<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>76 Prozent: f\u00fcr das Pricing von Finanzierungen (Kredite)<\/li><li>54 Prozent: f\u00fcr die Risikoabsicherung (Derivate)<\/li><li>46 Prozent: f\u00fcr unternehmensinterne Transaktionen<\/li><li>45 Prozent: f\u00fcr die Bewertung<\/li><\/ul>\n\n\n\n<p>Derivate basieren auf standardisierten Vertr\u00e4gen, meist nach UK Recht. Ihre Umstellung d\u00fcrfte verh\u00e4ltnism\u00e4ssig einfach sein: Es gen\u00fcgt die Auswechslung des Master Agreements. Schwieriger ist die Situation f\u00fcr Kreditvertr\u00e4ge, namentlich f\u00fcr CHF 150 Mrd. LIBOR-Hypotheken. Da keine \u00fcbergreifenden Vereinbarungen existieren, diskutieren Spezialisten m\u00f6gliche L\u00f6sungen. <a href=\"https:\/\/hub.hslu.ch\/retailbanking\/wp-content\/uploads\/sites\/7\/2018\/10\/Pr\u00e4sentation-zum-IFZ-Webinar-LIBOR-Transition.pdf\" target=\"_blank\" rel=\"noopener\">Pr\u00e4sentation zum IFZ Webinar LIBOR-Transition<\/a><\/p>\n\n\n\n<p><strong>Fazit<\/strong>:<\/p>\n\n\n\n<p>LIBOR wird bald durch SARON abgel\u00f6st. Derzeit sind die Banken noch erstaunlich wenig vorbereitet. Es lohnt sich auf alle F\u00e4lle, bei diesem extrem wichtigen Thema dranzubleiben.<br>Weitere Informationen finden Sie laufend hier: <a href=\"https:\/\/www.snb.ch\/de\/ifor\/finmkt\/fnmkt_benchm\/id\/finmkt_reformrates\" target=\"_blank\" rel=\"noopener\">https:\/\/www.snb.ch\/de\/ifor\/finmkt\/fnmkt_benchm\/id\/finmkt_reformrates<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Die Zeit des skandalumwitterten LIBOR l\u00e4uft ab. Seit die britische Finanzaufsicht FCA verk\u00fcndete \u00abEnde 2021 ist Schluss\u00bb, tickt die Uhr. Die Umstellung eilt. Viele Rahmenvertr\u00e4ge f\u00fcr Kredite reichen \u00fcber das Jahr 2021 hinaus, und damit in eine regulatorisch noch unsichere Zukunft hinein. Was kommt noch vor 2021 auf Banken und Bankkunden zu?<\/p>\n","protected":false},"author":1270,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[252,71412,19459],"tags":[420329,420330],"class_list":["post-5798","post","type-post","status-publish","format-standard","hentry","category-allgemein","category-bankregulierung","category-hypothekargeschaft","tag-libor","tag-saron"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>LIBOR ist (bald) tot, es lebe SARON - IFZ Retail Banking Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hub.hslu.ch\/retailbanking\/libor-ist-bald-tot-es-lebe-saron\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LIBOR ist (bald) tot, es lebe SARON - IFZ Retail Banking Blog\" \/>\n<meta property=\"og:description\" content=\"Die Zeit des skandalumwitterten LIBOR l\u00e4uft ab. Seit die britische Finanzaufsicht FCA verk\u00fcndete \u00abEnde 2021 ist Schluss\u00bb, tickt die Uhr. Die Umstellung eilt. Viele Rahmenvertr\u00e4ge f\u00fcr Kredite reichen \u00fcber das Jahr 2021 hinaus, und damit in eine regulatorisch noch unsichere Zukunft hinein. 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