????邂逅鯨魚(yú)（“倫敦鯨”，摩根大通駐倫敦交易員?？宋鳡柕膭e稱，他對(duì)企業(yè)債的交易造成信貸市場(chǎng)的劇烈波動(dòng)，導(dǎo)致摩根大通蒙受巨額虧損——譯者注）的確可以改變一個(gè)人。

????一年前，在摩根大通（JPMorgan）的投資者見(jiàn)面日上，首席執(zhí)行官杰米?戴蒙說(shuō)，他認(rèn)為這家超級(jí)銀行的規(guī)模仍然過(guò)小。即使經(jīng)濟(jì)增長(zhǎng)依然緩慢，摩根大通仍然將繼續(xù)招兵買馬，增設(shè)分支機(jī)構(gòu)。

????今年，戴蒙的語(yǔ)調(diào)似乎發(fā)生了改變。

????周二是摩根大通2013年的投資者見(jiàn)面日。當(dāng)天，這家銀行提出了今年的裁員減支計(jì)劃，稱將在一年內(nèi)削減4,000個(gè)工作崗位和10億美元成本。

????同時(shí)，明年這項(xiàng)工作還會(huì)加速。摩根大通表示，該行的計(jì)劃是到2014年底，在社區(qū)銀行及抵押貸款部門裁員1.9萬(wàn)人。但它沒(méi)有提供2014年底的員工總數(shù)，因此其他部門的招聘工作可能和這項(xiàng)裁員計(jì)劃相互抵消。

????這既是好消息也是壞消息。一方面，抵押貸款部門裁員意味著摩根大通相信住房貸款問(wèn)題的最壞階段已經(jīng)過(guò)去。

????但它同時(shí)表明，1年來(lái)，面對(duì)數(shù)十億美元的交易損失、遭到下調(diào)的信貸評(píng)級(jí)、更為嚴(yán)格的監(jiān)管和疲軟的交易市場(chǎng)，甚至連戴蒙似乎都開(kāi)始變得收斂起來(lái)。2011年，就在其他銀行都在縮減規(guī)模之際，摩根大通的員工卻增加了2萬(wàn)人，總數(shù)剛好超過(guò)26萬(wàn)人。

????如今，即便是華爾街業(yè)績(jī)最好的銀行也不得不屈服于瘦身壓力。過(guò)去約1年的時(shí)間里，低利率和至少到最近還處于低迷狀態(tài)的業(yè)務(wù)使得銀行業(yè)利潤(rùn)下降，華爾街的各位首席執(zhí)行官因此競(jìng)相證明自己掌管的銀行擁有最高的效率。

????去年12月，花旗集團(tuán)（Citigroup）宣布將裁員1.1萬(wàn)人，并稱裁員后的所謂費(fèi)用率會(huì)處于大型銀行的最低水平。據(jù)稱，高盛（Goldman Sachs）也在醞釀新一輪的裁員。去年，高盛管理層表示，希望將高盛變?yōu)槿A爾街上的低成本金融機(jī)構(gòu)。這倒也算不上是好高騖遠(yuǎn)。

????即便裁員之后，摩根大通的規(guī)模依舊十分龐大。2012年，這家公司員工人數(shù)小幅下降到25.8萬(wàn)，而5年前，這個(gè)數(shù)字才剛過(guò)18萬(wàn)。（財(cái)富中文網(wǎng)）

????譯者：翔

????An encounter with a whale can really change a fella.

????A year ago, at JPMorgan's investor day, CEO Jamie Dimon said he believed his mega-bank was still too small. He said his firm would continue hiring and opening branches, even as the economy remained slow.

????This year, it appears Dimon's tune has changed.

????JPMorgan Chase (JPM) kicked off this year's annual investor day on Tuesday, with plans to reduce headcount and expenses in 2013. The bank says it expects to eliminate 4,000 positions and cut costs by $1 billion over the course of the year.

????And the cuts could accelerate next year. The bank said it plans to eliminate as many as 19,000 employees in its community and mortgage banking units by the end of 2014. But it didn't give an overall headcount number for the end of 2014, so those job cuts could be offset by hiring elsewhere in the bank.

????That's good and bad news. In part, the cuts in its mortgage unit signal that the bank believes the worst of its home loan problems are behind it.

????But it also shows how, after a year dealing with a multi-billion dollar trading loss, credit rating downgrades, increased regulations and a slow market for deals, even Dimon appears to be paring back his vision. JPMorgan's headcount rose by 20,000 in 2011 to just over 260,000, as others were shrinking.

????Now, even Wall Street's best performing bank can't avoid the pressure to slim down. In the past year or so, as banking profits have sagged with low interest rates and, at least until recently, few deals, there has been a race among Wall Street CEOs to prove their bank can be the most efficient.

????In December, Citigroup (C) announced it would lay off 11,000 employees. In doing so, the bank touted that its so-called efficiency ratio would be among the lowest of the big banks. Goldman Sachs (GS) is also reportedly planning a new round of layoffs. Last year, Goldman executives talked about their desire to be Wall Street's low cost provider. Not exactly Master of the Universe talk.

????Even with the job cuts, JPMorgan will still be plenty big. The firm's head count fell modestly in 2012 to 258,000 employees. That up from just over 180,000 five years ago.