Banks must change compensation practices that reward excessive risk; protect whistleblowers; recruit and train staff to reflect proper ethics; and ensure that their boards of directors play a more active oversight role. (I believe that if boards had been aware of the egregious behavior being perpetrated within some institutions, from product mis-selling to price-fixing, they would have acted to stop it.)
强化合规是不够的。三十人小组（Group of Thirty）的一份新报告指出，银行必须做更多的事。真正的变革必须直指金融机构的日常经营。银行必须改变奖励过度冒险的薪酬模式；保护揭发者；招聘和培训合乎职业伦理的员工；并确保董事会扮演更加活跃的监督角色。（我相信，如果董事会了解某些机构的骇人听闻的行为——从滥发产品到价格操纵——他们早就采取行动阻止它们了。）