| Wereldvreemde bankiers |
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| Geschreven door Pieter Hilhorst |
| Dinsdag 23 Juni 2009 10:32 |
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Je moet wel lef hebben om als je huis in brand staat, te gaan klagen over de strenge brandvoorschriften en de overdaad aan rookmelders. Toch is dat wat de vijfentwintig bankiers die in het Compliance Rapport 2009 van adviesbureau Seeder de Boer aan het woord komen doen.
Ze klagen over het toezicht en de regels. Naleving van die regels kost veel en levert weinig op. Het heeft het werken bij de bank bureaucratischer gemaakt, waardoor voor ondernemerschap en creativiteit nauwelijks ruimte is. Een junior op de juridische afdeling heeft meer te zeggen dan een senior bankier, moppert een van de informanten. Twee jaar geleden zou het rapport geen opzien hebben gebaard. Het paste toen perfect in de populaire klaagzang over knellende regels en verstikkende bureaucratie. Maar inmiddels is de financiële sector nagenoeg failliet. De bescherming van de bancaire sector heeft de overheid miljarden gekost. Alom klinkt de roep om meer toezicht en controle van de financiële sector. De bankiers lijken de opwinding niet te begrijpen. Ze vinden dat het prima gaat. “We waren altijd al integer en zijn dat nog steeds.” Ze concluderen: “De cowboymentaliteit is binnen financiële instellingen de afgelopen jaren wel verdwenen.” Handelen met voorkennis, wat in de jaren tachtig nog een goed gebruik was, wordt niet meer geaccepteerd. Er zijn genoeg interne controles en er is een goede afweging tussen ‘commercie en zorgvuldigheid’. Er is volgens de informanten binnen financiële instellingen zelfs een risico-mijdende cultuur ontstaan. Zouden al die mensen die hun zuurgespaarde pensioen ineen zagen schrompelen er ook zo over denken? De bankiers willen vooral niet nog meer regels om een volgende kredietcrisis te voorkomen. Sterker nog. De huidige crisis is door de strenge regels over het financieel toezicht juist versterkt. Invoering van een nieuw stelsel van eisen aan de banken (Basel II) is door banken aangegrepen om hun kapitaalbuffers te verkleinen! Nieuwe eisen over de financiële verslaglegging dwingen banken om een ‘fair value’ te geven van hun bezittingen. In tijden van financiële crisis met dalende koersen leidt dat tot een verbijsterend snelle uitholling van het bufferkapitaal. Het doel van de regels was financiële stabiliteit, het effect is juist onrust. Bankiers beschouwen de regels als hinderlijke barrières bij het geld verdienen. Noodgedwongen houden ze zich aan de letter van de wet, maar malen niet om de geest van de wet. De respondenten beschrijven een afvink-cultuur waarbij goedkeuring van juristen of medewerkers van de afdeling compliance (naleving) een vrijbrief is om zelf niet meer na te denken. De banken hebben de naleving ondergebracht in aparte afdelingen die op afstand staan van het primaire proces. Het bestaan van die afdelingen is voor Raden van Bestuur reden om er verder geen aandacht meer aan te besteden. Ook zij houden zich liever bezig met geld verdienen. Interne regels zijn vooral bedoeld om de bank te vrijwaren van juridische aansprakelijkheden. Wie hoopt op de terugkeer van de saaie, betrouwbare bankier die zich tevreden stelt met een mager rendement, zal zich na lezing van dit rapport nog eens achter de oren krabben. Er is weinig reden om te geloven dat nieuwe regelgeving zal leiden tot gedragsverandering. Het zal vooral nieuwe verantwoordingsrituelen in het leven roepen. De kwaliteit van de regelgeving schiet ook tekort. Zo hebben banken een half miljard uitgegeven om van iedere rekeninghouder een kopie van een paspoort te verzamelen, zonder dat het iets heeft opgeleverd. De verplichting is inmiddels alweer afgeschaft. De hele papierwinkel van beleggersprofielen en financiële bijsluiters levert ook alleen maar schijnzekerheden op. In de veranderende markt kunnen ook producten die worden ingeschat als weinig riskant veel van hun waarde verliezen. Het idee dat toezicht en regelgeving de dienstverlening van de banken zou verbeteren wordt door de meerderheid van de informanten verworpen. De dienstverlening is er door alle juridische vereisten alleen maar op achteruit gegaan. Er is ook weinig vertrouwen dat toezicht leidt tot minder riskant gedrag, want ze vinden dat binnen banken al een risicomijdende cultuur bestaat. In feite zeggen de informanten dat banken immuun zijn voor de corrigerende invloed van buiten. Dat is een flinke onthulling. Ze klagen over rookmelders en brandvoorschriften omdat ze niet geloven dat zij in staat zijn om een uitslaande brand te blussen. Ze lijken daadwerkelijk te geloven dat die brand een natuurverschijnsel is waarop ze toch geen invloed hebben. Banken mogen dan bijna failliet gaan, intern hebben we alles prima op orde! En als je de pech hebt dat je huis in brand staat is het heel vervelend als je ook nog pijn aan je oren krijgt van het gepiep van die rookmelders. |
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