Recently, Credit Suisse (Credit Suisse), the second largest bank in Switzerland, suffered from negative news such as investment losses, and its share price continued to fall. Analysts believe that the bank is in deep crisis and needs to get out of the predicament through in-depth reform and restructuring. Founded in 1856, Credit Suisse has an important influence in the global capital market. In 2021, Credit Suisse Bank had two major investment failures, with accumulated losses of billions of dollars, which led to doubts about the bank's risk management mechanism. Since this year, the stock price of Credit Suisse Bank has fallen rapidly, and its market value has evaporated significantly. The outside world once speculated that the bank might go bankrupt, which triggered the "Lehman moment" in Europe. John Scholtz, an equity analyst of Morningstar, told Xinhua News Agency that under the background of challenges in the macro-economy, Credit Suisse Bank had failed in risk management for many times and needed to sell assets and raise funds to get out of the crisis. But Schultz did not think that the "Lehman moment" in Europe might be coming, and stressed that Credit Suisse was a "bank with sufficient capital". He said: "Credit Suisse Bank has no problem with its solvency, and its capital adequacy ratio is consistent with that of other banks. But the bank still needs to raise funds, and this possibility and demand are growing." Andreas Wenditi, a senior analyst at Swiss Vontobel Bank, believes that selling assets may be the first choice for the management of Credit Suisse. "The management of Credit Suisse will try their best to avoid capital increase and dilution of equity, so they are more inclined to sell assets". He said that if Credit Suisse could not sell its assets at a reasonable price, it might still need to raise funds. "Raising funds does not mean that Credit Suisse has reached the point where it needs to be 'rescued', but the high price paid for the deep restructuring of the bank". In July this year, Credit Suisse Bank carried out a major management restructuring and appointed Ulrich Kerna as its CEO. On September 30, Kerner issued a memorandum saying that Credit Suisse Bank has sufficient capital and liquidity, but he acknowledged that the bank is at a "critical moment". Credit Suisse said that it was considering taking various measures to strengthen its wealth management business and transform its investment bank into a light capital bank dominated by consulting business. The bank will announce a new strategic plan on October 27. Schultz said that Credit Suisse Bank needs to let the market clearly understand its core business focus in the future, and respond to the market's concerns about its losses and the loss of talents and customers. (Liu Xinshe)