They need to work with boards and senior management to ensure that major reforms are implemented and then consistently applied. Regular exchanges of views between oversight officials and the banks should be regarded as a crucial component of this process.
银行监管者和监督者也起着决定性作用。他们需要与董事会和高管层合作确保重大改革得到实施，并一以贯之。监督官员和银行定期交换观点应该作为这一过程的关键组成部分。