When it comes to raising standards of culture and behaviour, the financial services industry is “not close to where it needs to be”. Thus said William Dudley , president of the New York Federal Reserve, last week and he is right. It is true that some banks are trying to drive through reforms root and branch. But others still claim that the problem is to do with a few bad apples rather than anything more systemic, and are relying on occasional town hall meetings with employees and a lot of top-down instructions to shift behaviour. That will not deliver the fundamental change necessary.
紐約聯邦儲備銀行(Federal Reserve Bank of New York)行長威廉姆?杜德利(William Dudley)不久前表示，在提升行業的文化與行為標準方面，金融服務業“遠未達到應有水平”——他說得沒錯。的確，部分銀行試圖完成一次全面徹底的改革。然而，其他銀行卻依然宣稱，問題只和幾匹害群之馬有關，而絕非更系統性的問題。這些銀行正依靠偶爾與員工召開的全體會議，以及許多自上而下的指令改變自身的行為方式。這么做將無法實現必要的根本改革。