「釋義」

行為科學(xué)指應(yīng)用心理學(xué)與人類學(xué)等學(xué)科的知識(shí)與研究方法，如訪談法與觀察法等方法，研究人的行為。利用行為科學(xué)工具，能夠及早識(shí)別金融機(jī)構(gòu)中不法行為、員工行為不端和道德敗壞等風(fēng)險(xiǎn)行為。

「應(yīng)用場(chǎng)景」

針對(duì)企業(yè)不法行為、員工行為不端和道德敗壞行為的措施有所不足，在金融行業(yè)最為明顯。自2008年金融危機(jī)以來，相關(guān)罰款數(shù)額已超過4000億美元。不過該行業(yè)的某個(gè)角落還有些許希望：利用行為科學(xué)工具，及早識(shí)別風(fēng)險(xiǎn)行為。

Efforts to deal with corporate malfeasance, employee misconduct, and ethical failings are falling short. Nowhere is this more visible than in the financial sector. More than $400 billion has been paid in fines since the 2008 financial crisis. But one corner of the industry offers hope: It is using behavioral science tools to identify risky behavior early on.

歐洲最大的幾家銀行——荷蘭的荷蘭國(guó)際集團(tuán)和荷蘭銀行，以及倫敦的蘇格蘭皇家銀行成立了行為風(fēng)險(xiǎn)團(tuán)隊(duì)，團(tuán)隊(duì)成員是受過組織心理學(xué)、人類學(xué)、取證學(xué)和其他領(lǐng)域培訓(xùn)的專業(yè)人員。每一支團(tuán)隊(duì)都直接向首席審計(jì)官、合規(guī)高管或風(fēng)險(xiǎn)高管匯報(bào)工作。團(tuán)隊(duì)還有獨(dú)立性和自主權(quán)，可以在全公司范圍內(nèi)進(jìn)行審查，對(duì)他們察覺有行為風(fēng)險(xiǎn)的業(yè)務(wù)部門進(jìn)行評(píng)估。

Some of Europe’s largest banks — ING Group and ABN Amro in the Netherlands and RBS in London — have created behavioral risk teams composed of professionals trained in organizational psychology, anthropology, forensics, and other disciplines. Each team has a direct reporting line to the chief audit, compliance, or risk executive. Teams also have the independence and autonomy to conduct companywide reviews and assess business units in which they perceive behavioral risk.

《行為科學(xué)幫助銀行預(yù)防丑聞》

亨利·恩格勒，安娜·伍德

2020年6月刊

“How Banks Are Using Behavioral Science to Prevent Scandals”

by Henry Engler and Anna Wood

編輯：馬冰侖?