行为科学 / Behavioral Science

「释义」

行为科学指应用心理学与人类学等学科的知识与研究方法，如访谈法与观察法等方法，研究人的行为。利用行为科学工具，能够及早识别金融机构中不法行为、员工行为不端和道德败坏等风险行为。

「应用场景」

针对企业不法行为、员工行为不端和道德败坏行为的措施有所不足，在金融行业最为明显。自2008年金融危机以来，相关罚款数额已超过4000亿美元。不过该行业的某个角落还有些许希望：利用行为科学工具，及早识别风险行为。

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.

欧洲最大的几家银行——荷兰的荷兰国际集团和荷兰银行，以及伦敦的苏格兰皇家银行成立了行为风险团队，团队成员是受过组织心理学、人类学、取证学和其他领域培训的专业人员。每一支团队都直接向首席审计官、合规高管或风险高管汇报工作。团队还有独立性和自主权，可以在全公司范围内进行审查，对他们察觉有行为风险的业务部门进行评估。

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.

《行为科学帮助银行预防丑闻》

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

编辑：马冰仑