{"id":796,"date":"2018-02-23T06:53:40","date_gmt":"2018-02-23T05:53:40","guid":{"rendered":"https:\/\/blog-banque.ifage.ch\/?p=796"},"modified":"2018-02-22T10:18:16","modified_gmt":"2018-02-22T09:18:16","slug":"la-zek-une-nouvelle-banque-a-geneve-le-gendarme-de-la-finma","status":"publish","type":"post","link":"https:\/\/blog-banque.ifage.ch\/?p=796","title":{"rendered":"La ZEK : Une nouvelle banque \u00e0 Gen\u00e8ve? Le gendarme de la FINMA ?&#8230;"},"content":{"rendered":"<p><img data-attachment-id=\"799\" data-permalink=\"https:\/\/blog-banque.ifage.ch\/?attachment_id=799\" data-orig-file=\"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?fit=1024%2C802&amp;ssl=1\" data-orig-size=\"1024,802\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;DIDIER SCHRETTER&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1488228711&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"ifage cr\u00e9dits 2017\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?fit=300%2C235&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?fit=525%2C411&amp;ssl=1\" loading=\"lazy\" class=\"wp-image-799 size-full alignnone\" src=\"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?resize=525%2C411&#038;ssl=1\" alt=\"\" width=\"525\" height=\"411\" srcset=\"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?resize=300%2C235&amp;ssl=1 300w, https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/02\/ifage-cr\u00e9dits-2017.jpg?resize=768%2C602&amp;ssl=1 768w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" data-recalc-dims=\"1\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><strong>La ZEK c&rsquo;est ?<\/strong><\/p>\n<p>A. Une nouvelle banque \u00e0 Gen\u00e8ve ?<\/p>\n<p>B. Le gendarme de la FINMA ?<\/p>\n<p>C. Le Fond Mon\u00e9taire Suisse?<\/p>\n<p>D. Une centrale d&rsquo;information des banques\u00a0?<\/p>\n<h3>R\u00e9ponse\u00a0:<\/h3>\n<p>La ZEK est \u00a0est la <strong>centrale d\u2019information suisse<\/strong> pour les<strong> informations de solvabilit\u00e9<\/strong> d\u00e9coulant des activit\u00e9s de cr\u00e9dit des personnes physiques et morales. Elle\u00a0enregistre des informations positives et n\u00e9gatives sur les personnes int\u00e9ress\u00e9es au cr\u00e9dit, au leasing et aux cartes de cr\u00e9dit ainsi que les engagements et la solvabilit\u00e9 des preneurs de cr\u00e9dit, de leasing et des titulaires de cartes.<\/p>\n<p>Vous aimeriez apprendre plus sur le cr\u00e9dit \u00e0 la consommation, son fonctionnement et sa r\u00e9glementation\u00a0: prochain cours \u00e0 l\u2019ifage\u00a0\u00e0 partir du 14 mars prochain.<\/p>\n<p><em>Plus d\u2019informations <a href=\"https:\/\/www.ifage.ch\/offre\/commerce\/banque\/le-credit-a-la-consommation\">ici<\/a> sur le site de l\u2019Ifage<\/em><\/p>\n<div class=\"sharedaddy sd-sharing-enabled\"><div class=\"robots-nocontent sd-block sd-social sd-social-icon sd-sharing\"><h3 class=\"sd-title\">Partager\u00a0:<\/h3><div class=\"sd-content\"><ul><li class=\"share-linkedin\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-linkedin-796\" class=\"share-linkedin sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=796&amp;share=linkedin\" target=\"_blank\" title=\"Cliquez pour partager sur LinkedIn\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur LinkedIn(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-facebook\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-facebook-796\" class=\"share-facebook sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=796&amp;share=facebook\" target=\"_blank\" title=\"Cliquez pour partager sur Facebook\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur Facebook(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-email\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"\" class=\"share-email sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=796&amp;share=email\" target=\"_blank\" title=\"Cliquez pour envoyer par e-mail \u00e0 un ami\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour envoyer par e-mail \u00e0 un ami(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-end\"><\/li><\/ul><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>&nbsp; La ZEK c&rsquo;est ? A. Une nouvelle banque \u00e0 Gen\u00e8ve ? B. Le gendarme de la FINMA ? C. Le Fond Mon\u00e9taire Suisse? D. Une centrale d&rsquo;information des banques\u00a0? R\u00e9ponse\u00a0: La ZEK est \u00a0est la centrale d\u2019information suisse pour les informations de solvabilit\u00e9 d\u00e9coulant des activit\u00e9s de cr\u00e9dit des personnes physiques et morales. Elle\u00a0enregistre &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/blog-banque.ifage.ch\/?p=796\" class=\"more-link\">Continuer la lecture<span class=\"screen-reader-text\"> de &laquo;&nbsp;La ZEK : Une nouvelle banque \u00e0 Gen\u00e8ve? Le gendarme de la FINMA ?&#8230;&nbsp;&raquo;<\/span><\/a><\/p>\n<div class=\"sharedaddy sd-sharing-enabled\"><div class=\"robots-nocontent sd-block sd-social sd-social-icon sd-sharing\"><h3 class=\"sd-title\">Partager\u00a0:<\/h3><div class=\"sd-content\"><ul><li class=\"share-linkedin\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-linkedin-796\" class=\"share-linkedin sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=796&amp;share=linkedin\" target=\"_blank\" title=\"Cliquez pour partager sur LinkedIn\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur LinkedIn(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-facebook\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-facebook-796\" class=\"share-facebook sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=796&amp;share=facebook\" target=\"_blank\" title=\"Cliquez pour partager sur Facebook\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur Facebook(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-email\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"\" class=\"share-email sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=796&amp;share=email\" target=\"_blank\" title=\"Cliquez pour envoyer par e-mail \u00e0 un ami\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour envoyer par e-mail \u00e0 un ami(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-end\"><\/li><\/ul><\/div><\/div><\/div>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"La ZEK - une nouvelle banque \u00e0 Gen\u00e8ve?","jetpack_is_tweetstorm":false},"categories":[3],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p8sq8B-cQ","jetpack-related-posts":[{"id":525,"url":"https:\/\/blog-banque.ifage.ch\/?p=525","url_meta":{"origin":796,"position":0},"title":"S\u00e9rieusement, connaissez-vous la ZEK ?","date":"16 janvier 2018","format":false,"excerpt":"La ZEK c'est ? A. Une nouvelle banque \u00e0 Gen\u00e8ve ? B. Le gendarme de la FINMA ? C. Le Fond Mon\u00e9taire Suisse? D. Un organisme discret des banques\u00a0? R\u00e9ponse\u00a0: La ZEK est un service d'information sur les activit\u00e9s de cr\u00e9dit \u00e0 la consommation commune aux banques et aux soci\u00e9t\u00e9s\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2017\/02\/capture.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":292,"url":"https:\/\/blog-banque.ifage.ch\/?p=292","url_meta":{"origin":796,"position":1},"title":"La Finma d\u00e9finit sept objectifs strat\u00e9giques pour 2020","date":"17 novembre 2016","format":false,"excerpt":"Zurich (awp) - L'Autorit\u00e9 f\u00e9d\u00e9rale de surveillance des march\u00e9s financiers (Finma) a d\u00e9fini sept objectifs strat\u00e9giques \u00e0 r\u00e9aliser d'ici 2020, notamment au niveau de la capitalisation des banques, la protection des cr\u00e9anciers et le blanchiment d'argent, a-t-elle annonc\u00e9 mercredi. Ces objectifs ont \u00e9t\u00e9 approuv\u00e9s par le Conseil f\u00e9d\u00e9ral. \"L'environnement dans\u2026","rel":"","context":"Dans &quot;FIN&amp;BUZZ&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1042,"url":"https:\/\/blog-banque.ifage.ch\/?p=1042","url_meta":{"origin":796,"position":2},"title":"Blockchain, Start-up, Fintech, Sandbox : la FINMA cadre l\u2019innovation financi\u00e8re","date":"22 mars 2019","format":false,"excerpt":"Depuis le 1erjanvier 2019, la place financi\u00e8re suisse compte une nouvelle cat\u00e9gorie d'autorisation,\u00a0d\u00e9di\u00e9e aux entreprises actives dans le secteur \u00ab\u00a0Fintech\u00a0\u00bb.\u00a0A la suite de cette modification qu\u2019a voulue le l\u00e9gislateur, la FINMA a rendu publique sa volont\u00e9 d\u2019adapter deux de ses principales circulaires. Il s\u2019agit des circulaires suivantes\u00a0: D\u00e9p\u00f4ts du public\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2019\/03\/Blockchain.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":743,"url":"https:\/\/blog-banque.ifage.ch\/?p=743","url_meta":{"origin":796,"position":3},"title":"Quel est le r\u00f4le de la FINMA ?","date":"27 f\u00e9vrier 2019","format":false,"excerpt":"Le court m\u00e9trage pr\u00e9sente les t\u00e2ches de la FINMA dans le secteur financier et sa collaboration avec esisuisse. Aimeriez-vous en\u00a0\u00a0savoir plus sur la FINMA, le secteur financier suisse et\u00a0les nouveaux d\u00e9fis li\u00e9s \u00e0 la fiscalit\u00e9 ? Prochain cours \u00e0 l'ifage: Banque et compliance : introduction aux risques, \u00e0 partir du\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":492,"url":"https:\/\/blog-banque.ifage.ch\/?p=492","url_meta":{"origin":796,"position":4},"title":"Raiffeisen renonce \u00e0 assouplir les hypoth\u00e8ques pour les faibles revenus","date":"8 f\u00e9vrier 2017","format":false,"excerpt":"La banque Raiffeisen renonce pour l'heure \u00e0 assouplir les crit\u00e8res d'octroi des hypoth\u00e8ques. L'Autorit\u00e9 de surveillance des march\u00e9s financiers (FINMA) s'\u00e9tait montr\u00e9e tr\u00e8s r\u00e9serv\u00e9e quant \u00e0 ce projet. Le patron de Raiffeisen Patrik Gisel avait indiqu\u00e9 en septembre que sa banque souhaitait assouplir les r\u00e8gles en vigueur afin de faciliter\u2026","rel":"","context":"Dans &quot;FIN&amp;BUZZ&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2017\/02\/img_0063.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":235,"url":"https:\/\/blog-banque.ifage.ch\/?p=235","url_meta":{"origin":796,"position":5},"title":"Apprendre, pour acheter, vendre ou d\u00e9couvrir. Les Cr\u00e9dits Hypoth\u00e9caires en Suisse se d\u00e9voilent en quelques soir\u00e9es \u00e0 l'Ifage","date":"13 novembre 2016","format":false,"excerpt":"Une formation accessible a tous! Le march\u00e9 immobilier offre des opportunit\u00e9s et le march\u00e9 du cr\u00e9dit suit le mouvement","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2016\/11\/immo2.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts\/796"}],"collection":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=796"}],"version-history":[{"count":4,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts\/796\/revisions"}],"predecessor-version":[{"id":801,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts\/796\/revisions\/801"}],"wp:attachment":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}