I glanced at Sergei dissatisfied, drinking the juice with a face full of displeasure.

- "Linna, I'm sorry, don't get me wrong, I'm not laughing at you.

I just have a gut feeling that the composition of the shareholders of Andre Bank ...... But let me make it clear that this is all my guess. So, even I feel ridiculous. Sergei said with a chin on his chin crutch.

- "If you really have you, you can even imagine this." I'd like to hear what you think the shareholders of his bank are. I asked curiously.

Sergey elegantly wiped his mouth with a napkin, looked at me and said:

- "Linna, I was thinking, now, what will I do to open a bank in Zurich?"

Although the relative position has declined due to the onslaught of other offshore wealth management centres and the challenge of regulatory rules, Swiss banks are still the best choice for the following groups.

1) The main pursuit of asset preservation, the requirements for asset appreciation are low. Although there are fewer and fewer such customers, there is still a demand.

2) High requirements for confidentiality. The secrecy of the Swiss private banking sector has declined compared to the historical longitudinal comparison, but the secrecy of the Swiss private banking sector is still advantageous compared to other countries.

3) The local financial market is underdeveloped.

The level of development of the financial market lags behind the level of economic development, and the level of development of the wealth management industry will lag behind the overall level of development of the financial industry.

For some emerging economies, those who get rich first will inevitably have a demand for overseas asset allocation, at least a phased demand. For example, the rich in the Middle East, who have become rich on oil, have very underdeveloped local capital markets, and Swiss private banks that can help them allocate assets around the world have become a very good choice. ”

I listened with interest as he continued:

- "For customers from Asia, the situation is probably the most complicated.

You said that the bank of the Leee family, which worked with Andre, was sanctioned by the United States. That's what makes me think a lot. ”

Sergei's eyes were quite connotative, and he stopped talking again.

- "Why are you talking so much today?" Sue me what the hell you're suspicious! I shouted.

Sergei looked at me and smiled again, and spoke in a somewhat hesitant tone;

- "It is well known that the main source of clients of Swiss private banks is Europe, which accounts for a third, and many of them are regular clients.

Then there is South America, and there is also the Middle East. Asia, on the other hand, has grown very rapidly in recent years.

Compared to emerging economies, Japan has a well-developed financial sector, and it is especially convenient to do business with the United States. Recently, however, the U.S. has been sanctioning some Japanese companies that have not invested in the gang. ”

- "Japanese companies involved in gangsters? I asked, stunned.

- "Hehe...... Linna, look at you nervous! I didn't say that the bank that Andre worked with was a gangster, I just heard some rumors recently. Sergei smiled and comforted me.

- "What kind of Japanese companies involved in crime will be sanctioned?" Do they have a lot of assets in the U.S. that need to be transferred out as soon as possible? I asked.

- "What's this?" I don't know very well, but what I do know is that the government has strengthened its response by designating the Japanese yakuza as an international criminal organization.

U.S. Treasury Department Under Secretary for Counterterrorism and Financial Crimes Cohen said the groups were involved in arms smuggling, human trafficking, drug dealing, and money laundering. He stressed that "in order to defend the United States, their criminal behavior will be exposed and the targets of sanctions will be expanded", so the assets of its core figures in the United States will be frozen, and transactions with American individuals and companies will also be banned. ”

- "Huh? Is it difficult to benefit their family bank!? I exclaimed.

Maybe my scream was too loud, Sergey said in a soft tone, looking to the left and right.

- "Linna, don't scare yourself.

As I said, these are all my guesses, and they are baseless.

Moreover, even if this bank does accept funds from Japanese gang-related companies, it cannot be said that they themselves are also the Black God Society, and at most they have a connection with them.

Then again, how much of the wealth managed by other Swiss banks is completely visible! ”

I looked at him, and Sergey continued:

- "James in the movie? Bond once said to a private banker, "What would the world be like if even Swiss bankers couldn't believe it?" 》

Hey...... For those who desperately need security, there are only two people in the world who can be trusted: one is himself and the other is a Swiss private banker.

Swiss private banks offer a secure and private service. Attracting unusually cautious (or "quiet") funds.

These are what industry experts call "money that the client does not want to appear in the divorce settlement in the future" and generally account for about 10% of the client's assets.

This is not a high percentage, but it is also clear that traditional Swiss banks are still the most secure place in the minds of customers. Even better, the assets handed over to Swiss private banks generate income steadily and consistently.

Due to bank secrecy, Switzerland was once considered a global "paradise of black gold".

It involves drug smuggling, arms trafficking, terrorism, serious corruption and other criminals pursued by governments.

Now, the Swiss authorities have had to heed the international community, and their banking secrecy system is no longer monolithic. However, the court can only mobilize the relevant bank data after the plaintiff has provided valid evidence of the existence of the account.

In short, only the law has the power to decide whether depositor information needs to be disclosed, and in the vast majority of cases, Switzerland's bank secrecy laws still provide the most effective protection for private wealth.

As a result, one-third of the world's private assets are pooled in Swiss private banks.

So, I think it's very difficult for Andre to stand out in this industry. ”

Hearing this, I sighed and lamented that I really didn't know anything about Andrei's career.

Sergey went on to say:

- "Of course, to become a safe deposit box for global wealth, Switzerland's magic weapon is of course not only the law of secrecy.

One of the more important features of traditional Swiss private banks is the partnership system, in which the operators (i.e. operators) are subject to unlimited personal responsibility for the operation of the bank and the interests of its clients.

This is the main difference between them and large financial groups such as UBS and Citigroup.

That is, private bankers even use the entire family assets as collateral to protect the interests of their clients; Conversely, if a joint-stock bank fails, its customers can only be compensated in whole or in part based on the bank's book assets.

Of course, it's very difficult to get a private bank that manages hundreds of billions of Swiss francs to fail, and if Citibank fails, you're not so lucky. ”

- "No wonder Andre and they got so many partners, I thought, is it necessary for this bank to be so complicated?" I said.

- "This characteristic of traditional private banks is undoubtedly very important for high-end customers.

Because the most important question is nothing more than who will be responsible in the end if something happens.

The partnership system has an absolute commitment to the rights and interests of customers, and because the partners are hereditary banking families, and the bank is named after the family, and the responsibility is particularly heavy to protect the achievements of the past two hundred years and the reputation of the family, so this kind of private bank will be very cautious and conservative in conducting business, which is of positive significance to both customers and banks. Sergey said.

- "Just how big can Andrei's bank be?" Anyway, I'm not a high-end customer and I wouldn't keep my money in such a small bank! I laughed.

Listening to my words, Sergey couldn't help but laugh again and said:

- "Since the small professional private bank is a partnership system, the bank-customer relationship is simple and clear, so the bank can concentrate on managing the client's assets and putting the client's interests first; And because they are "small", they are more flexible and responsive to the needs of customers, and more personalized in terms of service.

Find a way to invest that works for your clients.

For example, when the market is falling, some clients think that this will be an opportunity to take advantage of the dip, while others are only willing to wait for the next wave of uptrend to establish before entering the market.

A truly personalized service should make different recommendations based on the customer's risk tolerance, the length of the investment period, cash flow requirements, etc., so as to provide customers with peace of mind and peace of mind while seeking a return on investment.

I think André might be pretty good at it now. ”