????2008年重?fù)羧A爾街和國(guó)際金融市場(chǎng)的大地震依然余震未斷。不信？不妨問(wèn)問(wèn)鮑勃?戴蒙德，巴克萊（Barclays）的首席執(zhí)行官……或者應(yīng)該說(shuō)，巴克萊前首席執(zhí)行官。

????戴蒙德這位風(fēng)云一時(shí)的美國(guó)銀行家一夜之間被拉下了這家英國(guó)銀行的首席執(zhí)行官寶座。巴克萊操縱倫敦銀行同業(yè)拆借利率（Libor）的丑聞所引發(fā)的巨大公眾壓力和投資者的憤怒情緒最終迫使戴蒙德宣布辭職。聽到這一消息的其他國(guó)際大行首席執(zhí)行官們不消說(shuō)也人人自危。理應(yīng)如此。

????我曾經(jīng)花費(fèi)大量篇幅寫過(guò)，金融大鱷與政治盟友、以及金融自我監(jiān)管部門之間沆瀣一氣，摧毀了公眾信賴。主流金融媒體并未充分反映這一現(xiàn)實(shí)。因此，彭博社（Bloomberg）承認(rèn)銀行業(yè)已經(jīng)開始腐爛（There's Something Rotten in Banking）這個(gè)長(zhǎng)久以來(lái)很多人都已經(jīng)知道的事實(shí)時(shí)，我有點(diǎn)意外，但并不感到鼓舞，雖然這是一個(gè)轉(zhuǎn)折點(diǎn)。

????我們不支持痛打銀行，也不要求監(jiān)管部門捆死大銀行。但如果一個(gè)行業(yè)拿假的利率數(shù)據(jù)來(lái)欺騙市場(chǎng)，騙取其他銀行和客戶的錢財(cái)，讓人還怎么為它辯護(hù)呢。

????悲哀的是Libor案暴露出了當(dāng)今銀行業(yè)文化中已經(jīng)腐爛的一些東西。我們希望調(diào)查能曝光害群之馬，將明知故犯、操縱市場(chǎng)者送入監(jiān)獄，并驅(qū)逐參與或縱容此類行為的高管和董事。

????彭博打了華爾街和這個(gè)城市狠狠一記耳光。活該。要求將害群之馬送入監(jiān)獄，與我日前的想法相吻合。

????為什么要這樣做？在巴克萊和解文件中，監(jiān)管部門披露了證據(jù)確鑿的電子郵件，表明銀行交易員（希望能捍衛(wèi)利潤(rùn)和獎(jiǎng)金）和銀行司庫(kù)部高管（希望讓市場(chǎng)相信銀行沒(méi)有陷入財(cái)務(wù)困境）之間骯臟交易的猖獗。這兩個(gè)部門本不應(yīng)互通，但顯然已經(jīng)暗通款曲。

????隨著這一事件進(jìn)一步發(fā)展，公眾憤怒情緒繼續(xù)升級(jí)，我敢肯定處于這場(chǎng)丑聞中心的銀行高管們?cè)缫严蛎缆?lián)儲(chǔ)（Federal Reserve）、美國(guó)財(cái)政部（U.S. Treasury）的高官尋求庇護(hù)。正是美國(guó)公眾的憤怒和隨之而來(lái)要求全面透明的呼聲才讓整個(gè)丑聞事件徹底曝光。

????2008年的金融海嘯波及所有銀行和全球經(jīng)濟(jì)，巴克萊當(dāng)然不是孤島。還有多少金融機(jī)構(gòu)正滿頭冒汗，擔(dān)心將來(lái)審查內(nèi)部溝通文件可能審出什么問(wèn)題來(lái)？不管銀行高管們?cè)趺凑f(shuō)，巴克萊曝光的電子郵件無(wú)疑是爆炸性的，所反映出的文化可能不只是巴克萊一家，而是整個(gè)銀行業(yè)。

????The earthquake that rocked Wall Street and the global financial markets in 2008 continues to reverberate today. Just ask Bob Diamond, CEO of Barclays (BCS)... or I should say, the formerCEO of Barclays.

????Diamond, the once high-flying American banker, was dethroned overnight as the chief executive of the UK-based bank as public pressure and outrage grows over the Libor price-fixing scandal. Do not think for a second that the CEOs of other large global banks are not sufficiently concerned of their own standing this morning. As well they should be.

????I have written at length of the destruction of public trust due to the incestuous nature of the relationship between financial titans, their political partners, and compliant financial self-regulators. Major financial media have shied away from fully addressing this reality. In what I would define as a tipping point, I am surprised yet heartened to to read Bloomberg acknowledge what many have known for far too long, There's Something Rotten in Banking:

????We don't countenance bank bashing. Nor have we ever called on regulators to bust up big banks. But it's difficult to defend an industry that defrauds the market with fake interest rate figures, thereby stealing from other banks and customers.

????Sadly, the Libor case reveals something rotten in today's banking culture. We hope the investigations expose the bad actors, lead to jail terms for those who knowingly manipulated the market, and force out the senior managers and board directors who participated in, or overlooked, such conduct.

????Bloomberg hits Wall Street and The City hard. Deservedly so. The call for jail time echoes my sentiments expressed yesterday.

????Why so exercised? In the Barclays settlement documents, regulators released smoking-gun e-mails that reveal the extent of the dirty dealing between bank traders (looking to protect profits and bonuses) and senior officials in bank treasury units (hoping to convince markets that their banks weren't in financial difficulty). The two aren't supposed to collude, but it's obvious that the Chinese walls between them come with ladders.

????As this story continues to unfold and the public outrage mounts, I would bet executives at the banks in the crosshairs of this scandal might have already called senior officials within the Federal Reserve and U.S. Treasury looking for cover. Public outrage and accompanying demands for total transparency here in the States are required to expose the truth of this entire scandal.

????Barclays was certainly not an island in the tsunami that overwhelmed all banks and the global economy in 2008. How many other institutions are currently sweating profusely wondering what may be revealed in a review of internal communications? Despite what banking executives might say, the e-mail expose emanating from Barclays is explosive and indicative of culture not only at that organization but the industry as a whole.