So right now, in most countries, the bank holds people's savings and lends out money. They work on a basis that if Mr A, Mr B, Mr C and Mr D all have £100 in their accounts then the bank "owes" them £400 overall when they want their money. However, if Mr E wants to borrow £200 from the bank for 12 months, they can lend them the other people's money in the knowledge that they probably won't all want to withdraw their cash during those 12 months. On a larger scale the assumption is that even if a bank only "has" 10% of the money in their customers accounts, enough people will be putting money back into their accounts to satisfy the financial needs of all of the money leaving the bank through withdrawals and transfers. Well sort of.
So now rather than bank accounts and loans being essentially a massive list of who owes who hypothetical money at some point in the future, in Switzerland they will be more like an actual money exchange service where you go and ask for a loan of €10,000 and the bank can't give it to you unless there is at least €10,000 of savings around?
I do think I'm following you but I don't think I've explained it back very well....