It's not, it can not be. Banks will just have to answer to the central bank for big loans and truth is that it makes sense if you think that every single bank w

It's not, it can not be. Banks will just have to answer to the central bank for big loans and truth is that it makes sense if you think that every single bank will have to rely on the central bank when it faces a bank-run... So now the central bank will be able to control the banks in a more direct way (theoretically it already does, but in practice it didn't work in many countries, don't know about Switzerland though). So, nothing spectacular except from the idea of putting this into a referendum instead of saying "No/Yes" without consulting the population. Switzerland is amazing.