We know bankers can be ruthless when pursuing profits. But bank lawyers are not supposed to think like bankers. Decades ago, the general counsel of a bank thought more about ethics than efficiency. But today’s in-house counsel are often profit centres, fonts of wisdom on how to avoid accounting rules, cut taxes and maintain the secrecy of dubious practices. One reason for the recent wave of abuses at big banks is that their in-house lawyers have been more focused on speed and profit than on right and wrong.
我们都知道银行家在追求利润时可能变得冷酷无情。但银行律师的想法不应与银行家一致。几十年前,一家银行的法律总顾问对道德的重视程度甚于效率。但如今,内部法律顾问部门常常变成了利润中心,为如何规避会计准则、少交税以及隐瞒可疑操作出谋划策。近年来大型银行纷纷爆出违规丑闻的一大原因在于,它们的内部律师团队关注效率和利润甚于关注对错本身。
It is now apparent that speed was a concern of Standard Chartered’s lawyers: if the wire instructions had contained references to Iran, they probably would have been investigated and so delayed. The bank’s chief legal and compliance officer for its wholesale banking business apparently called the risk of such delays a “deal-breaker in efforts to develop new business.
我们现在可以清楚看出,交易速度是渣打律师团队的关注重点之一:如果电汇指令中包含提到伊朗的语句,则很可能受到调查进而导致交易延迟。该行批发银行业务部门的首席法律与合规官直白地表示,对于该行拓展新业务的努力而言,此类交易延迟风险简直就是“交易杀手。
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