textabstractThis article presents the results of a survey on banking culture in the Netherlands. It shows that despite behavioural regulation by the state, bankers continue to be driven by the underlying rationalization in the banking field which is characterized by utility maximization. Moreover, the downsizing of the sector has turned the incentives of targets from positive to negative, while distrust and lack of moral leadership further constrain bankers' use of their moral compass. An increase in state regulation leads to extensive compliance procedures but does not act as a support for ethical guidance in addressing client interests in a complex and uncertain environment. Bankers feel squeezed between increased legal constraints and ever more detailed rationalization in the banking field, which reduces the space to use their moral compass. This study argues that a change in banking culture should therefore address the field's rationalization itself, rather than adding more behavioural regulation.

中文翻译：

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银行业组织领域银行家道德罗盘的误导

文本摘要本文介绍了一项关于荷兰银行文化的调查结果。这表明，尽管国家对行为进行了监管，但银行家继续受到以效用最大化为特征的银行领域潜在合理化的驱动。此外，该部门的缩减使目标的激励从积极变为消极，而不信任和缺乏道德领导力进一步限制了银行家对其道德指南针的使用。国家监管的增加导致了广泛的合规程序，但并不能作为在复杂和不确定环境中解决客户利益的道德指导的支持。银行家们感到在银行领域越来越多的法律约束和越来越详细的合理化之间被挤压，这减少了他们使用道德指南针的空间。