More regulation is not necessarily the best path forward: The rules and norms that define a “right” and “wrong” culture are beyond the wit of regulators and supervisory bodies. But the pressure to devise such rules is bound to mount if banks do not demonstrate that they are grappling effectively with the challenge of cultural change.
加强监管未必是最好的办法：定义“正确”和“错误”文化的规则和规范超过了监管者和监督机构的责任范围。但如果银行不能证明它们能够有效应对文化变迁的挑战，制定这些规则的压力就会增加。悲哀的是，到目前为止，许多银行采取的是无法令人满意的碎片化方法。