王亚宏

Wang Yahong

　　在伦敦金融城的水石书店，亚当·斯密的《道德情操论》最近热销。在被名气大得多的《国富论》压制200多年后，《道德情操论》终于扬眉吐气了。不过很多捧读这本书的交易员可不是想单纯研究古典经济学，而是把它当作应试参考书。因为从4月份起，金融城的经纪人和交易员在参加职业资质考试之前，必须先通过一项道德测试。

Waterstone's in the city of London,Adam Smith's[Moral sentiments]Recently sell like hot cakes.Being a big reputation[The wealth of nations]More than 200 years later,[Moral sentiments]The stand.But a lot of traders is not read the book to study classical economics,But treat it as a test of reference books.Because from April,In the city of brokers and traders before take vocational qualifications examination,Must first pass a moral test.

　　虽然伦敦股市富时100指数在过去12个月中不断走高，但却难以掩盖金融城声誉屡遭打击的事实。从摩根大通的“伦敦鲸”到10多家银行集体操纵银行同业拆借率；从金融危机期间“肥猫”们的巨额奖金到对来自布鲁塞尔的金融交易税嗤之以鼻，这些事件已经给金融城贴上了“贪婪”“虚伪”等标签。

While in London the ftse 100 index rising in the past 12 months,But it is difficult to hush up the fact that the city reputation have been hit.From j.p. Morgan chase & co"The London whale"To more than 10 Banks collective manipulation of interbank lending rates;From the financial crisis"Fat cat"The huge bonuses to scoff at tax on financial transactions from Brussels,These events have been to the city with"greed""hypocrisy"Such as the label.

　　在纽约、法兰克福和香港等金融中心的虎视眈眈下，伦敦金融城在维系自身竞争力的时候，显然已经认识到了信誉对自身的重要性。而为了重塑声望，英国特许证券与投资协会推出的职业道德测试算得上是重要的一步。

In New York/Eyeing up financial centres such as Frankfurt and Hong Kong,The city of London at the time of sustaining competitiveness,The importance of has clearly realized the credibility of its own.And in order to restore reputation,The chartered securities & investment institute launched the professional ethics test is important step.

　　道德测试旨在重振外部对伦敦金融服务业的信心。这项在线测试类似公务员的情景测试，提供包括股票经纪人、银行家或投资经理可能遇到的6种场景，比如要求款待、简历中出现错误以及虚报费用等内容。而被测试者则要根据情况，在规定时间内跳出求情等两难困境，找出适当的应对方法。按照考试要求，要通过考试就要做到不为尊者讳，不为亲者隐。如果敏锐地发现某人有可疑行为，必须迅速向合规部门以及监管部门报告。

Moral test is intended to revive the external confidence in London's financial services industry.According to the online test is similar to civil servant test,Including a stockbroker/Bankers or investment managers may encounter 6 scenarios,Such as asking for treats/There is an error in your resume and fiddling expenses, etc.While subjects according to the situation,Jump out of the dilemma, etc undertake within the prescribed time,Find out the appropriate response.According to the test requirements,It is not showing enough respects to those respected events to pass the exam is going to do,Not for QinZhe en.If keen to find someone suspicious behavior,Report to the compliance department and supervision department must quickly.

　　除了道德考试，重塑伦敦金融城形象的另一项举措是通过顶层设计进行机构重建。从4月开始，遭到多方诟病的英国金融服务局正式成为历史，其职能分拆为金融行为准则局和审慎监管局。新成立的金融行为准则局高度评价道德测试，认为伦敦的金融服务业必须重新赢得消费者的信任，而树立高道德标准对实现这个目标非常关键。

In addition to the moral test,Reshape the image of the city of London another proposal is to through the top design of institutional reconstruction.Starting from April,By many of the UK's financial services authority officially become a thing of the past,Its function spin-off for financial conduct and prudential supervision innings.The new financial code of conduct bureau spoke highly of the moral test,Think of London's financial services must be to win the trust of consumers,Set high ethical standard and to achieve this goal is essential.

　　不少年薪数万的金融从业人员担心因这项考试而被金融城拒之门外，不过，数据显示，自英国特许证券与投资协会从2008年底推出这个自愿性测试后，在该协会的4万多名成员中目前累计有7300人选择参加，通过率竟然超过99%。

Many paid tens of thousands of financial workers, worry about for the test to be turn away from the city,but,According to data,Since the chartered association of securities and investment out of the voluntary testing from the end of 2008,In the association of more than 40000 members in total, 7300 people choose to attend,Pass rate more than 99%.

　　不过按照这个通过率，在金融城的交易室里坐着的大多应该是道德高洁的楷模，但这很难解释为何银行业还是丑闻频发。只能说要么好孩子很容易被从头到脚每个毛孔都流着血的东西带坏，要么就是这些金融金领们多智近乎妖，能够轻而易举地将理论考试与实践操作分开。

But according to the pass rate,Sat in the trading rooms of the city's most should be the moral model of nobleness,But it's hard to explain why banking or frequent scandal.Can only say that either boy is easy to from head to foot the bleeding every pore with bad things,Or is that these financial jinling much wisdom almost demon,Can easily separate theory exam and practice operation.

　　当然，金融道德测试确实看上去很美，亚当·斯密关于正义、责任等一系列概念也确实对市场的良心运作有着振聋发聩的效果。但是对于现实中充斥着假象、欺诈和谎言的金融市场来说，很难想象纯洁得像朵小白花一样的交易员能过关斩将。对于注重实利的金融机构来说，道德测试或许确实将成为他们招聘新员工中的一项考量因素，只不过可能青睐的是那些得分并不怎么高的人。

Of course,,Financial ethics test looks really very beautiful,Adam Smith about justice/Responsibility and a series of concepts is the conscience of the operation to the market have a sobering effect.But in reality with illusion/Cheating and lies for financial markets,It is hard to imagine that pure like a small white flowers traders can conquer.To pay attention to the financial institutions of utilitarian,Moral test may indeed will be a factor in their recruiting new employees,Just how may favour those who score are not high.