wall street trader Bryan Smith/ZumaPress

整顿银行文化

华盛顿—银行和银行业务的基础是信任。信任需要多年时间才能建立,但只要有一家银行不恪守职业道德、价值低迷、行为错误,信任就会在一夜之间毁于一旦。

引发2008年全球金融危机的事件,以及其浮出水面的一系列丑闻——从操纵伦敦银行间拆放利率(LIBOR)到制裁破坏和洗钱——都是我们金融机构内部的文化失败。是的,自危机以来人们采取了各种措施强化银行体系。但重大弱点依然存在:直说的话,就是冒险文化仍在全球大银行的一些部门以及金融系统本身大行其道。

银行高管们总是承诺改变“公司文化”并确保员工行为端正,但这一承诺从未有效兑现过。一次又一次,银行仍无法兑现服务社区和全体公众的义务。

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