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تصحيح الثقافة المصرفية

واشنطن العاصمة ــ تعتمد البنوك والعمل المصرفي على الثقة. ولكن في حين يستغرق بناء الثقة سنوات فإنها قد تتبدد فجأة إذا كانت أخلاق بنوك بعينها ضعيفة، وقيمها هزيلة، وسلوكياتها خاطئة ببساطة.

فالأحداث التي أدت إلى اندلاع الأزمة المالية العالمية في عام 2008، فضلاً عن الفضائح التي ظهرت في وقت لاحق ــ من تزوير سعر الفائدة المعروض بين بنوك لندن إلى خرق العقوبات وغسل الأموال ــ ترقى إلى قائمة مفهرسة بالإخفاقات الثقافية داخل مؤسساتنا المالية. صحيح أن بعض التدابير الشاملة اتخذت منذ اندلاع الأزمة لتعزيز النظام المالي. ولكن تظل نقطة ضعف عميقة قائمة: وهي بصراحة تتعلق بثقافة خوض المجازفة التي لا تزال سائدة داخل بعض إدارات البنوك العالمية وداخل النظام المالي ذاته.

في كثير من الأحيان ظلت وعود رؤساء البنوك بتغيير "ثقافة الشركات" وضمان السلوك الطيب من قِبَل الموظفين العاملين لديهم مجرد وعود جوفاء بلا تنفيذ فعلي كامل. وفي العديد من الحالات لا تزال البنوك عاجزة عن الوفاء بالتزاماتها في خدمة مجتمعاتها وعامة الناس في عموم الأمر.

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