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HSBC’s chairman has warned of a “growing danger” that its employees are becoming too risk-averse because they fear punishment for mistakes, the latest sign that big banks are making a fresh push against regulation.
汇丰银行(HSBC)董事长范智廉(Douglas Flint)对一种“日益加大的危险”发出警告，他表示，该银行员工正变得过于厌恶风险，因为他们担心自己会因为错误而受到惩罚。这一最新迹象表明，大银行正对监管规定展开新的抵制。
Douglas Flint said there was “an observable and growing danger of disproportionate risk aversion creeping into decision-making in our businesses as individuals, facing uncertainty as to what may be criticised with hindsight and perceiving a zero tolerance of error, seek to protect themselves and the firm from future censure”.
范智廉表示，“一种可以察觉且日益加大的过度厌恶风险的危险，正慢慢弥漫于本行业务部门的决策过程。相关个人不确定哪些行为可能在事后受到批评，并认为有关方面对于错误采取零容忍态度，于是寻求保护自己和公司不受未来谴责。”
His comments, while reflecting a widespread concern in the industry over the effect of regulation on business performance, are a rare public airing by a senior banker of this highly-charged issue.
他的言论反映出银行业对于监管规定对业务表现的影响普遍感到担忧，也是一位资深银行家罕见地在这一极具争议性的问题上公开发表言论。
Bankers have publicly critiqued the regulatory environment before, often with limited success. In 2011, Bob Diamond told a UK parliamentary committee that the time for “remorse and apology” was over, less than a year before he was ousted as Barclays chief executive over the Libor manipulation scandal.
银行家以往也曾公开批评监管环境，但往往收效有限。2011年，鲍勃•戴蒙德(Bob Diamond)曾告诉英国议会的一个委员会，“悔恨和道歉”的时期已经过去，不到一年后，他就因伦敦银行间同业拆借利率(Libor)操纵丑闻被罢免巴克莱(Barclays)首席执行官一职。
Most bankers avoid speaking out for fear of upsetting regulators, who are taking a harsher attitude to risky business since the financial crisis. Meanwhile, banks worry about ceding profitable trades or loans to rivals in the so-called shadow banking sector that have fewer regulatory constraints.
多数银行家因为担心惹恼监管者而避免公开发表意见，自金融危机以来，监管机构对高风险业务采取更严厉的态度。与此同时，银行担心将有利可图的交易或贷款拱手让给所谓的影子银行业竞争对手，后者所受的监管限制较少。
Among the banks trying to walk this tightrope, JPMorgan sent an email to staff eight weeks ago, encouraging them to “raise your hand” to ask how to get approval on business opportunities and to “identify ‘creeping’ bureaucracy”.
在试图走这条钢丝的银行中，摩根大通(JPMorgan) 8周前曾向员工发送一封电邮，鼓励他们就如何让业务机遇获得批准，以及“发现‘悄悄滋生’的官僚作风”，“举手报告”。
Mr Flint, speaking as Europe’s biggest bank by market capitalisation reported a 12 per cent drop in first-half pre-tax profits, said: “We have got to get an understanding that poor outcomes are OK, things just go wrong sometimes and we are in the risk business.”
范智廉表示：“我们应当认识到，糟糕的结果没问题，事情有时会遭遇不顺，我们做的是风险业务。”他是在欧洲市值最高的银行报告今年上半年税前利润下滑12%时说这番话的。
While he said a focus on conduct and financial crime was “clearly the right response to past shortcomings”, he added HSBC faced “growing fatigue within critical functions” due to the demands of regulators.
他表示，关注行为和金融犯罪“显然是对过去缺点的正确回应”，但他补充称，监管机构的要求正使汇丰的“关键职能部门变得越来越疲惫”。
