銀行の秘密保持に関するスイス国民の意識調査

Swiss banking secrecy defended

Schweizer Fernsehen
22 December 2009

Around three quarters of all Swiss banking secrecy deem as important and worthy of protection. Device is under international pressure, it raises the defense preparedness of the population. This is the result of an online survey, which Prof. Dr. Carmen Tanner and Daniel Hausmann of the Psychological Institute of the University of Zurich have performed in German-speaking Switzerland.

The international pressure on Switzerland in recent months has meant that the Swiss banking secrecy was relaxed.

As the Swiss population reacted to these pressures and how they feel about the preservation of bank secrecy, have raised the psychologist Carmen Tanner and the psychologist Daniel Hausmann of the University of Zurich in its online survey.

Large majority in favor of protection of banking secrecy

Their study answers the question of how and why the banking secrecy is considered worthy of protection and identify the factors that help determine what, defending whether and to what extent Swiss bank secrecy or decline.About 70 percent of the population considers the Swiss banking secrecy is still worthy of protection, resulted in the Zurich study.

The vast majority of the population from 71.8 percent considered bank secrecy is still worthy of protection. The values that will make it for them at a good worthy of protection, are protecting the privacy, independence of Switzerland and strengthen Switzerland's financial center, the study found.

Defend against attacks from abroad

These are people who give to the protection of banking secrecy is a big place, ready and in greater measure to defend against attacks such as this on the part of foreign countries to.

The two researchers came to the conclusion that in a referendum on the abolition of banking secrecy for both domestic and foreign bank clients and customers, 65 percent of respondents, a "no" would put into the urn, only 21.9 percent are in favor of 11.6 percent were undecided and 1.5 percent give an answer.

Conflict of values affect the defense posture

Whether to use the respondents in the case of a threat to banking secrecy is actually for his defense or not, is influenced by two factors, according to the study. Just step up to a regulator or weaken the defense of this attitude: The so-called gap-perception and a Carrier All existing conflict of values.

The former describes the relationship between the perceived threat on the one hand and the desire to maintain banking secrecy on the other side. The greater desire and threat, the defense ready to show the respondents.

Fight against tax evasion as an important value

With regard to conflict of values Carmen Tanner and Daniel Hausmann identified two main groups: For a group of bank secrecy is taboo and not negotiable. All values speak for the preservation of bank secrecy, according to defense and willing reactions fall out of this group. This group has no or low levels of conflict.

The other group with high levels of conflict is in an internal conflict of opposing values: In addition to protecting your privacy are also other important values, such as the fight against tax evasion or compliance with international agreements.

International pressure does not jeopardize the banking secrecy

Taking the number to the person poses to the discussion about banking secrecy without taboo situation, but high levels of conflict, then the decrease in total defense readiness, it further states. For them both an important arguments for the maintenance of bank secrecy and for its softening.

Conversely, increases with increasing pressure from home and abroad, the perceived discrepancy between desired state and reality, and subsequently also the motivation to defend the Swiss banking secrecy.

Increase the perceived threat

Concludes, in other words, as Carmen Tanner, "A public and objective discussion to bank secrecy is more likely to lead to a softening of the defense reactions, whereas the effect of increasing international pressure rather enhanced defensive and counter-reactions."

In particular, foreign demands for an automatic exchange of information to be expected that they contribute to an increase in perceived threat and to strengthen the defense to slow reactions in the sequence rather than.

Automatic exchange of information is unacceptable

By the majority of respondents rated the automatic exchange of information will definitely be unacceptable.

In the 1179 survey were asked Deutschschweizerinnen and swiss.



Backing for bank secrecy

23 December 2009, Neue Zurcher Zeitung

A survey by the University of Zurich, leaving question marks

This has the surprising result of the referendum on the anti-minaret initiative clearly demonstrated once again. The warning also applies to surveys of bank secrecy: Depending on the wording of the question can come out very different results. The question are "For the protection of privacy of bank customers?" Would probably affirm much more people than the question are "For the protection of tax evaders?".

Unclear definition

The reserve is also a new study by the University of Zurich in the eye, which is based on an online survey by the GfK market research institute in July when nearly 1,200 people in German-speaking Switzerland. In about 72% of respondents referred specifically to moderate bank secrecy worthy of protection. But what is meant by "bank secrecy" (compared with its neighbors, against the tax authorities, even in cases) of fraud, was not ausgedeutscht in the question. Something more concrete evidence provided a further question, in which the survey participants a clear no to automatic transmissions from banks to authorities landfilled.

Display

Regardless of the definition is that the "abolition of bank secrecy" only for foreign customers clearly is more widely accepted (41% Yes vs. 43% no) as well as the elimination of domestic customers (22% yes against 65% no). That may have to do with the normative force of reality: the Federal Council announced in March to overturn the banking secrecy against the tax authorities for tax evasion by foreign customers, among the Swiss, but the same can exist. Foreign pressure, Switzerland has been repeatedly inspired to make concessions to the bank secrecy ". In the population of foreign pressure may encourage the other hand, theoretically at least some kind of barricade mentality and thus be counterproductive.

Three types of people

The study authors acknowledge in terms of attitude on banking secrecy types of three people: those with low value conflicts for which bank secrecy is not negotiable (36% of respondents), those with serious value conflicts between privacy and the fight against tax offenders fluctuate up and down ( 45%), and a group in between with moderate value conflicts.

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