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Von Wulf E. Bley, Rechtsassessor und Schriftsteller

Meine Rechtsmeinung zur Datenaffäre und ein Lösungsvorschlag

Die Diskussion um den Ankauf entwendeter Kundendaten von Schweizer Banken durch die Regierung der Bundesrepublik Deutschland und die damit verbundenen Probleme könnten sehr schnell und für sämtliche Beteiligte interessensgerecht gelöst werden. Der Bankenplatz Schweiz, das Bankgeheimnis und das Vertrauen in die Seriosität Schweizer Banken darf einerseits nicht aufs Spiel gesetzt werden und andererseits dürfen  Steuerhinterziehung und –betrug nicht gefördert werden.  Der Imageschaden muss von der Schweiz abgewendet werden, genauso, wie der rechtlich moralisch nicht unumstrittene Kauf von Kundendaten vermieden werden sollte.

Zunächst einmal ist festzustellen, dass das ganze Dilemma vor allem ein Problem der betroffenen Schweizer Banken ist.

Wer Kunde einer Bank ist, muss sich grundsätzlich und vertragsgemäß darauf verlassen können, dass seine Daten nicht an unbefugte Dritte gelangen. Das hat mit dem Bankgeheimnis alleine nichts zu tun.  Dieser Kundenschutz ist selbstverständlich und im Übrigen im Datenschutzgesetz rechtlich verankert.

Wenn unbefugter Weise Daten von Kunden in einer Bank unterschlagen oder widerrechtlich weitergegeben werden, so ist das auch ein Vertragsbruch der Bank gegenüber dem Kunden, da dieser Rechtsbruch in der Risikosphäre der Bank vorgenommen worden ist.

Die Bank alleine ist verantwortlich und damit auch schadensersatzpflichtig, wenn dem Kunden dadurch ein Schaden entsteht. Denn sie muss in der Lage sein, solche Rechtsbrüche durch entsprechende Sicherheitsvorkehrungen zu verhindern.

Dies ist möglich, Ausführungen dazu würden aber an dieser Stelle zu weit führen.

Nun, wo das Kind aber einmal in den Brunnen gefallen ist, bieten sich meiner Meinung folgende Lösungen an:

  1. Die betroffenen  Banken schreiben sämtliche infrage kommenden Kunden an und fordern sie auf, sich bei den goosejacka zuständigen Finanzämtern in Deutschland selbst anzuzeigen.
  2. Die Banken sichern den Kunden Ersatz des Schadens zu, der durch diesen Vertrauensbruch (in ihrer Risikosphäre) entstanden ist oder zukünftig entsteht. Das beinhaltet sämtliche Steuernachzahlungen gegenüber dem deutschen Fiskus, inklusive etwaiger Strafzahlungen. goosejacka.se
  3. Das Kundenkapital  könnte weiter von einer/oder der betroffenen  Schweizer Bank verwaltet werden und die Bank könnte zukünftig daraus Erträge erwirtschaften.
  4. Das würde die betroffenen Banken zunächst zwar finanziell hart treffen, aber der Imageschaden und der Vertrauensverlust würden geheilt werden können.
  5. Es wäre damit auch der Streit um einen „finanziell-gläsernen Bürger“ aus politischer Sicht „zunächst“ beigelegt.

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