Résultats de recherche pour responsabilité

Le droit bancaire privé suisse 2023 | Das schweizerische Bankprivatrecht 2023

L’année 2023 marque la chute de Credit Suisse. Signe des temps et de l’enjeu, le Conseil fédéral siège aux côtés des présidents du conseil d’administration des deux banques, de la BNS et de la FINMA…

Zur Genehmigungsfiktion in Banken-AGB – eine kritische Auseinandersetzung mit der bundesgerichtlichen Rechtsprechung

In practice, the fiction of consent has become a veritable all-purpose weapon of banks and other financial service providers. In disputes with their clients banks regularly argue that the client has…

La banque et le créancier prêteur face à l’insolvabilité de l’emprunteur : moyens préventifs et curatifs

In a contractual relationship, a bank, or more generally a lender, on the one hand, and a borrower on the other, harmoniously blend, as long as the borrower complies with the repayments’ obligations arising from the loan agreement. However, in such an agreement, risk lies primarily on the lender. Indeed, as soon as the money has been made available, the lender takes the default’s risk. This…

Schadensberechnung beim Unternehmenskauf

2010 entschied sich die A AG (Klägerin, Beschwerdeführerin, nachfolgend: Käuferin), vertreten durch ihr Verwaltungsratsmitglied E (nachfolgend: VR-Mitglied), die Aktien der F SA (nachfolgend:…

Wissen, Nichtwissen und Wissenmüssen von natürlichen und juristischen Personen

Many statutory or contractual provisions’ legal con­sequences depend on whether the addressee knew or should have known a fact. Thus, the question of what natural or legal persons know is of paramount im­por­tance. This paper defines the three key terms “knowledge”, “lack of knowledge”, and “knowledge that one should have had”. Also, it examines under which conditions a third party’s knowledge…

Le droit des sociétés 2021/2022 / Das Gesellschaftsrecht 2021/2022

Cette année, le Tribunal fédéral a eu l’occasion de se prononcer sur des questions dont on peut s’étonner qu’elles se posent pour la première fois à lui, compte tenu des discussions qu’elles ont…

Le droit bancaire privé suisse 2021 / Das schweizerische Bankprivatrecht 2021

Au moment où nous écrivons ces lignes, la Russie envahit l’Ukraine. L’Union européenne et les États-Unis ont adopté de nouvelles sanctions contre plusieurs centaines de personnalités liées au régime…

Editorial

Les articles du présent cahier sont consacrés à la digitalisation et l’innovation sous leurs multiples facettes. La variété des thèmes abordés reflète le caractère transversal des questions…

Questions de responsabilité civile et contractuelle soulevées par la distribution de „logiciels libres“ (open source)

Since the 1980s, the free and open software («FOSS») movement promotes the open exchange of software and of its source code to disrupt the limitations brought upon by the copyrightability of software. The recent emergence of public repositories such as GitHub has however impacted the distribution model of FOSS software – as many of them can now be downloaded and operated freely by their users,…

Das Finanzmarktaufsichtsrecht vom vierten Quartal 2020 bis ins vierte Quartal 2021

Nachhaltige Finanzanlagen erfreuen sich stark steigender Nachfrage.¹ Wo viel Business ist, ist der Missbrauch oftmals nicht weit. Angesichts der derzeitigen hohen Intransparenz, ob und inwiefern einzelne Finanzanlagen gewisse Nachhaltigkeitskriterien erfüllen, hat der Finanzminister schon öffentlich gewarnt: «Die Gefahr von Greenwashing ist gross.»² Dementsprechend besteht seitens der…

Editorial

L’essor de la digitalisation touche tous les secteurs de la vie quotidienne et de l’économie. L’accès aux données, leur protection, leur utilisation notamment pour le développement de l’intelligence…

Intelligence artificielle: licence libre et gouvernance collective des données à travers l’altruisme des données et les data trusts

Data access is central for the development of Artificial Intelligence (AI). Data may be however subject to a multitude of rights and actors (e.g. copyrighted works or personal data posted on social media or collected through captcha and used for AI training purposes), leading to a fragmented legal framework and legal frictions. This contribution explores how to apply open and free licenses to all…

Intelligence artificielle: la titularité des données

Data are at the heart of AI systems. Without data, AI systems are valueless. Data come into play at different phases, both at the input level (training sets, validating sets, testing sets), as well as at the output level. Although the Proposal for AI Regulation released on 21 April 2021 by the European Commission offers a promising regulatory framework as to the governance related to the design…

Das Gesellschaftsrecht 2020/2021 Le droit des sociétés 2020/2021

Auch dieses Jahr befassten sich die Gerichte wieder eingehend mit der Thematik der aktienrechtlichen Verantwortlichkeit und brachten einige interessante Entscheide insbesondere im Zusammenhang mit…

Les effets des nouvelles règles sur la prescription en droit bancaire et financier

The partial reform of limitation rules in the Code of obligations, effective since 2020, has limited impact on the banking and financial sector. Yet specific matters call for renewed attention. We analyse the consequences of the new 3-year and 10-year limitation rule for claims based on torts and unjust enrichment, specifically in connection with defective transfers of funds, intermediated…

Das schweizerische Bankprivatrecht 2020 | Le droit bancaire privé suisse 2020

Das Jahr 2020 war in vielerlei Hinsicht aussergewöhnlich. Demgegenüber bewegen sich die Entscheide zum privaten Bankrecht, die in diesem Jahr gefällt wurden, zu einem Grossteil im Rahmen des…

Entrepreneuriat et incapacité: responsabilité illimitée et direction de sociétés

The contribution focuses on persons under an adult protection measure that deprives them (totally or partially) of civil capacity (legal capacity). The authors consider that the need for protection of these persons is incompatible with any status involving unlimited liability for debts related to a going concern as well as with the functions of a manager of a commercial company. This…

Le droit bancaire privé suisse 2019 / Das schweizerische Bankprivatrecht 2019

Cette chronique s’allonge chaque année. Sa consultation en devient moins aisée. Pour faciliter son accès aux lecteurs nous avons introduit trois nouveautés.

Aktienrechtliche Verantwortlichkeit: Zur gerichtlichen Prüfungsbefugnis im Anwendungsbereich der Business Judgment Rule (Zurückhaltungsregel)

In the context of directors’ and officers’ liability, the ­so-called Business Judgment Rule and its Swiss equivalent – which is also referred to as the Rule of Restraint (Zurückhaltungsregel) – aim to protect the exercise of discretion when making business decisions. According to the Swiss Federal Supreme Court, the judicial review of business decisions must be conducted with restraint if i) the…

Le droit à l’information de l’administrateur et sa mise en œuvre judiciaire

This article deals with the right to information and ­inspection of a member of the board of directors (Article 715a of the Swiss Code of Obligations, CO) and the possibility, recently acknowledged by the Federal Tribunal, to raise a claim based on such right. The implementing of Article 715a CO in court gives rise to a number of questions. Often, time is of the essence and a court decision may…

Betrugsversuche im Zahlungsverkehr im digitalen Zeitalter

Money transfers have always been the target of fraudsters. For decades Swiss banks limited liability in their contracts with clients to intent and gross negligence. The Federal Supreme Court, however, often denied applying this broad liability exclusion. Today, banks usually commit themselves to verify the identification of the client with customary due diligence but also request from the client…

Le fonds de placement contractuel immobilier et la Lex Koller

This contribution discusses the treatment of Swiss real estate funds under the Lex Koller. It explains that for­eigners (in the meaning of Lex Koller) may acquire fund’s units and/or shares or participation certificates in the capital of the fund management company (up to full holding) without a Lex Koller authorization. The analysis takes into account the consequences of such purchases on future…

Le droit des sociétés 2017/2018 / Das Gesellschaftsrecht 2017/2018

Au cours de l’année écoulée, en plus du point final porté à l’affaire Sika (1.), un certain nombre de décisions se sont distinguées. Le Tribunal fédéral est revenu sur l’exorbitance des conventions d…

Propositions pour un trust suisse

New voices, including in Parliament, are now calling for the adoption of the trust as an institution of Swiss law. This would provide Swiss residents with a much-needed vehicle for estate planning and structuring. It would also improve the legal certainty and robustness of very common business transactions. Notably it would allow lawyers, notaries and other professionals to protect their clients’…

Digitalisation dans le domaine bancaire et aperçu des risques juridiques

There is today a strong trend towards digitization in the banking sector in line with the constant development of new technologies. Swiss legislation authorizes online bank account opening processes and can be seen as pretty liberal in terms of reception and recording of banking documentation in electronic form. In this context, Swiss banks may be interested to evaluate the feasibility of, and…