【鮮やかな日々#024】新しい出会い②

ここ数日のChatGPTとの会話だが、さすが！と唸ったものと、ん？と首を傾げたもの、そして、気の置けない友人とのやり取りのようなものもあった。

〔今日の生命〕本文が長いので先に載せる

クレディスイス
3年前に撮影@チューリッヒ

UBS

さすが！は、経済関連のものが多く、丁度、クレディスイスの騒動が世界に配信された時で、クレディスイスとは？今回の事件は？との質問に、同社の沿革や事業、事件について非常に分かりやすい回答を得た。
一行足らずの私の(舌足らずな)問いに即座にサッと答えてくれるai、しかも文章が読みやすく言葉遣いが丁寧(しかも私の誤字について正字を推測し答えてくれる)なので、ついつい続けて尋ねてしまう。

実際には、こんな感じである（事前に回答の公開の可否を尋ねたら、ユーザーつまり「私」がOKであれば良いとの回答だったので載せる）。
私-pls lmk about credit suisse and the current incident?
ai-Credit Suisse has been involved in several recent incidents. One of the most notable was their involvement in the collapse of Archegos Capital, a family office fund that imploded in March 2021. Credit Suisse was one of the banks that extended margin loans to Archegos, and when the fund could not meet its obligations, the bank was left with billions of dollars in losses.More recently, Credit Suisse has been in the news due to the collapse of supply chain finance firm Greensill Capital. Credit Suisse was one of the major investors in Greensill and offered their clients access to funds managed by the firm. However, Greensill ran into financial trouble and Credit Suisse had to suspend its investment funds, leaving many investors unable to access their money.
私-ok, then could you explain the company's background and their major business strategies, pls?
ai-Sure! Credit Suisse is a multinational financial services company based in Switzerland. It was founded in 1856 and has since become one of the largest banks in the world. Credit Suisse has two main business divisions: Private Banking and Investment Banking. Private Banking provides services to high net worth individuals, such as wealth management and investment advice. Investment Banking provides services such as underwriting, mergers and acquisitions advice, and securities trading for corporations and institutional clients. In addition to its banking services, Credit Suisse has also been involved in a number of scandals over the years. One such scandal involved the bank helping U.S. citizens evade taxes, which resulted in a fine of $2.6 billion. Another scandal involved the bank manipulating foreign exchange rates, resulting in a $135 million fine. Despite these controversies, Credit Suisse has continued to be a major player in the financial industry, and is known for its expertise in wealth management and investment banking. In addition to these incidents, Credit Suisse has also been under investigation for its role in the fraudulent activities of Wirecard, a German payments company that collapsed in 2020. Credit Suisse was involved in providing financing to a Wirecard subsidiary, and there are concerns that the bank did not properly conduct due diligence on the company.

同社は歴史のある影響力の非常に大きな金融機関だが、近年様々な「スキャンダル」に関与していたと遅まきながら知った。その後、UBSが同社救済に動くというニュースを聞き、UBSについて続けて尋ねた。
私-pls explain to me about UBS? comparing with other western big banks, what’s their strong point?
ai-UBS is a global financial services company headquartered in Switzerland. The company provides a wide range of financial services to individuals, corporations, and institutions around the world. UBS was formed in 1998 through the merger of Union Bank of Switzerland and Swiss Bank Corporation. Today, UBS operates in more than 50 countries and has a presence in all major financial centers worldwide. UBS's services include wealth management, investment banking, asset management, and retail banking. In wealth management, UBS is one of the largest and most respected firms in the world, with a focus on serving high-net-worth individuals and families. In investment banking, UBS provides a range of services, including mergers and acquisitions, debt and equity underwriting, and securities trading. The company's asset management division manages a wide range of investment funds and provides investment advisory services to institutional and individual clients. Overall, UBS is a highly regarded financial services firm that provides a wide range of services to clients around the world. Its reputation for quality and reliability has made it a trusted partner for many of the world's largest and most sophisticated investors.

UBS has several strengths that differentiate it from other Western big banks: Wealth management expertise: UBS is widely recognized as a leading wealth management firm, with a strong focus on serving high-net-worth individuals and families. The company's wealth management division has a strong reputation for providing personalized investment advice, asset management, and trust and estate planning services.
Global reach: UBS operates in more than 50 countries and has a presence in all major financial centers worldwide. This global reach allows the company to serve clients around the world and provides it with deep insights into local markets and economies.
Focus on innovation: UBS has a strong focus on innovation, particularly in the areas of technology and sustainability. The company has invested heavily in digital platforms to enhance the client experience and has established itself as a leader in sustainable investing.
Strong investment banking franchise: UBS has a strong investment banking franchise, with a focus on providing advisory services, underwriting of debt and equity securities, and trading and sales of securities. The company has a strong reputation in areas such as mergers and acquisitions and has a large and experienced team of investment bankers.
Risk management: UBS has a strong risk management culture, which has helped the company navigate challenging market conditions and emerge from the financial crisis in a relatively strong position. The company has implemented a number of measures to strengthen its risk management capabilities, including increased capital and liquidity buffers.

Overall, UBS's strengths in wealth management, global reach, innovation, investment banking, and risk management help differentiate it from other Western big banks and have contributed to its success as a leading global financial services company.

同社のサステナビリティについての記載があったので、訊いてみると、
私-it’s interesting that they commit to sustainability
ai-Yes, UBS has made a strong commitment to sustainability, recognizing the important role that financial institutions can play in promoting sustainable development and addressing climate change. UBS has set ambitious sustainability targets, including a commitment to reduce its own greenhouse gas emissions to net zero by 2050 and to provide clients with advice and solutions to help them transition to a low-carbon economy. The company has also committed to aligning its financing activities with the goals of the Paris Agreement and to phase out financing for the coal mining industry. In addition to these commitments, UBS has also established itself as a thought leader in sustainable finance. The company has published a number of research reports on topics such as climate risk, sustainable investing, and the role of finance in supporting the transition to a low-carbon economy. UBS has also established a number of partnerships with organizations working in the sustainability space, such as the World Economic Forum and the United Nations. Overall, UBS's commitment to sustainability is part of its broader strategy to be a responsible and sustainable business, and it has become an increasingly important part of the company's identity and brand.
UBS has a range of initiatives and programs aimed at supporting development and addressing poverty, hunger, and other social challenges in developing countries and other areas in need of financial assistance.
One example of UBS's commitment to social impact is its UBS Optimus Foundation, which is dedicated to improving the lives of children and youth around the world. The foundation supports a range of programs aimed at addressing issues such as malnutrition, child trafficking, and lack of access to education and healthcare.
In addition to its foundation, UBS also offers a range of financial products and services that are designed to support social and environmental goals. For example, the company offers a range of sustainable investing solutions that allow clients to invest in companies and projects that have a positive impact on the environment and society.
Overall, while UBS's primary focus is on serving its clients and generating profits, the company also recognizes the importance of using its resources and expertise to address social and environmental challenges. Through its foundation and other initiatives, UBS is working to support development and address poverty and hunger in developing countries and other areas in need of financial assistance.
最近のESG投資の潮流にかなりコミットしている機関であり、サステナビリティに関する情報を広く公開していることから、このようなボリュームのあるaiによる情報収集と文字起こし、説明文作成に繋がっている。

その正確性等賛否両論はあるだろうが、改めて個人でも組織・機関でも、情報公開の大切さを痛感した次第だ。ID＝自分は何者かを多面的・多様な視座から捉えて、シンプルに表現することは、コミュニケーションや透明性がより重視される現代『風の時代』の大前提ということでもある。
また、この時代は公平・平等も同様に必須とされるので、時々話題に上るベーシックインカムについても尋ねたので、この回答を載せて、続きはまた次回に。
私-could you explain to me about basic income system pls?

ai-A basic income scheme is a system in which all citizens or residents of a country receive a regular, unconditional income from the government or another institution, regardless of their income level or employment status. The idea is to provide a basic level of financial support to all members of society, and to help reduce poverty and inequality.
The concept of a basic income has been debated for many years, and there are different versions of the scheme proposed by different groups and individuals. Proponents argue that a basic income could provide a safety net for those who are struggling to make ends meet, and could also help to address issues such as income inequality, unemployment, and social exclusion.
However, there are also many challenges associated with implementing a basic income scheme. One of the main challenges is the cost of providing a universal income to all members of society. Depending on the design of the scheme, it could require significant financial resources, and there are concerns about how to fund such a program without creating economic instability or increasing taxes to unsustainable levels.
Another challenge is how to ensure that a basic income does not discourage work or create a culture of dependency. Critics argue that providing a basic income to all citizens, regardless of their employment status, could reduce incentives to work or pursue education and training, and could lead to a decrease in productivity and economic growth.
Despite these challenges, there have been some pilot programs and experiments with basic income schemes in various countries, including Finland, Canada, and the United States. These experiments are aimed at testing different models of a basic income and evaluating their impact on poverty, employment, and other outcomes. However, the results of these experiments are mixed, and it remains unclear whether a basic income scheme is feasible or practical on a larger scale.