Recently，Anjan Thakor, professor of finance at the School of Business at Washington University in St. Louis, published a paper in the Journal of Applied Corporate Finance，Explains how organizational bet365 free bets and setting higher goals affect risk-taking and performance in the banking industry。Zak defines organizational bet365 free bets as collective assumptions、Explicit and implicit rules such as beliefs and values ​​that determine how employees think and act。In an organization with a strong bet365 free bets，Employees’ beliefs are relatively consistent，The rules based on which decisions are made are also relatively consistent。In this case，Delegating decision-making authority to lower levels closer to the required information can help improve decision-making efficiency。

Zak said，After the outbreak of the US subprime mortgage crisis in 2007，Many policymakers realize，In addition to common financial indicators of bank risk-taking propensity，bet365 free bets is also an important factor affecting bank risk taking and performance。bet365 free bets has both direct and indirect effects on bank performance，The two have a synergistic effect，Mutual amplification。First，bet365 free bets affects employees’ thinking patterns、Attitude and work style，Directly affects bank performance。Secondly，Financial variables regarded by academic circles as determinants of bank behavior，Such as bank capital and asset portfolio composition，All are affected by bank bet365 free bets。

In the 15 years since the outbreak of the U.S. subprime mortgage crisis，Cultural reform drives the banking industry’s risk absorption capacity to increase、Market valuation increase。Zak thinks，This cultural overhaul is partly due to the bank’s voluntary actions to reinvigorate industry bet365 free bets，Especially around risk management and capital structure。Another driver is the enactment of new regulatory bills following the crisis，Such as "Basel III" and "Dodd-Frank Wall Street Reform and Consumer Protection Act"。In addition，Stress tests for large banks also help regulators gain a more complete understanding of their risk profiles and ability to withstand shocks。

Another change that occurred in the U.S. banking industry during the same period was the use of higher goals to guide business decisions。This means，The way a bet365 free bets operates is not only to pursue the realization of commercial goals，But also for others (customers、Employee、Community) creates well-being。

　Now，Most banking leaders realize，bet365 free bets helps organizations adhere to the bottom line of the industry、Effective implementation of strategy is very important。However，Provide a clear and systematic explanation of organizational bet365 free bets，Diagnose the main problems in organizational bet365 free bets，And proactively improving bet365 free bets is a challenge for many leaders。To this，Zak thinks，Leaders can use the Competing Values ​​Framework to group the organization’s activities and priorities into four categories: Collaborative、Innovative、Control and competition，So as to grasp the organizational bet365 free bets more intuitively，Determine whether the current bet365 free bets is consistent with the organization’s strategy。

Overall view，The banking industry is moving from a purely financial transaction bet365 free bets to one driven by higher goals、On the road to social relationship-oriented cultural transformation，There is still a long way to go。

(Liu Yuwei/Compiled)