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Optimising security packages for commercial loans is a growing concern. Martin Lanz and Anita Schlaepfer report on the Swiss legal concept of security rights and the granting of pledges

In times of financial crisis, optimising the security packages for commercial loans which banks have, in the economically more stable past, granted – or which they now consider granting to their existing and new customers – has become an even more important concern.

In the manufacturing industry, in particular, the inventories of raw material, goods in production, as well as the end products, usually make up an important part of a borrower’s assets.

The Swiss legal concept of security rights is based on a numerus clausus, i.e. the Swiss Civil Code distinguishes between, and contains specific rules for:

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