Recently，Anjan Thakor, Professor of Financial School of the University of Washington University of San Louis, the University of St. Louis, published a paper on Journal of Applied Corporate，Explained how the organizational culture and the establishment of higher goals affect the risk commitment and performance of the banking industry。Zac will define organizational culture as collective assumptions、Belief and values ​​determine how employees think and move the explicit and hidden rules of action。In organizations with bet365 Play online games strong culture，Employees' beliefs are more consistent，The rules based on decision -making are also consistent。In this case，Putting the decision -making power to the lower level that is closer to the required information will help improve the efficiency of decision -making。

Zak said，After the outbreak of the US subprime mortgage crisis in 2007，Many policy makers realize，Except for common bank risks bearing tendency to financial indicators，Culture is also an important factor affecting bank risk bearing and performance。Culture has a direct impact on bank performance and indirect impact，Collaborative effects in the two，amplify each other。First，Culture through the thinking mode of affecting employees、Attitude and working method，Directly bet365 Play online games affect bank performance。Next，The financial variables of the decisive factor by the academic community as the decisive factor of bank behavior，If the bank's capital and asset portfolio composition，All affected by bank culture。

15 years after the outbreak of the U.S. subprime crisis，Cultural reform drives the risk absorption capacity of the banking industry、Market valuation increase。Zak thinks，This cultural reform must be attributed to the voluntary action of banks to revive the industry culture to a certain extent，Especially around risk management and capital structure。Another driving factor is to issue a new law bill after the crisis，For example, the "Basel Agreement III" and "Dodd -Frank Wall Street Reform and Consumer Protection bet365 live casino games Law"。other，Pressure testing for large banks also helps regulatory agencies to better understand their risk conditions and ability to resist impact。

Another change that the American banking industry has appeared in the same period is to guide business decisions with higher goals。This means，The bank's operation method must not only pursue the implementation of business goals，Also for others (Customer、Employee、Community) Create Welfare。

Now，Most banking leaders realize，Culture to adhere to the bottom line of the industry、Effective implementation strategy is very important。But，Clear and systematic interpretation of organizational culture，The main problems existing in the cultural existence of diagnostic organization，and actively improving Bet365 lotto review culture is the challenge facing many leaders。For this，Zak thinks，Leaders can use the competitive value framework to divide the organizational activities and priority matters of the organization into four categories: collaborative type、Innovative type、Control type and competitive type，Therefore, to grasp the organizational culture more intuitively，Determine whether the current culture is consistent with the strategy of the organization。

Generally speaking，The banking industry is driving from pure financial trading culture to higher targets、On the road of cultural transformation orientation of social relations，There is still a long way to go。

(Liu Yuwei/Compilation)