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.
纽约联邦储备银行(Federal Reserve Bank of New York)行长威廉姆•杜德利(William Dudley)不久前表示，在提升行业的文化与行为标准方面，金融服务业“远未达到应有水平”——他说得没错。的确，部分银行试图完成一次全面彻底的改革。然而，其他银行却依然宣称，问题只和几匹害群之马有关，而绝非更系统性的问题。这些银行正依靠偶尔与员工召开的全体会议，以及许多自上而下的指令改变自身的行为方式。这么做将无法实现必要的根本改革。