News Brief
Summary
Major Wall Street banks like JPMorgan Chase and Goldman Sachs are fundamentally restructuring their businesses around Artificial Intelligence (AI), a technology enabling the mass production of knowledge work. This strategic shift is leading to constrained hiring and potential job reductions, even during a period of exceptionally high profits from trading and investment banking.
Key Points
- AI-Driven Restructuring: JPMorgan and Goldman Sachs are embedding AI into all aspects of their operations, from client services to internal processes.
- Constrained Hiring: Despite record profits, both banks are deliberately limiting headcount growth. JPMorgan’s CFO stated a “very strong bias” against hiring as AI is deployed.
- Profit vs. Personnel: JPMorgan’s Q3 profit jumped 12% to $14.4 billion, while its headcount rose by only 1%.
- Future Job Impact: Bank executives acknowledge AI will eliminate some roles, particularly in operational and support staff, but plan to retrain affected employees.
- Industry-Wide Trend: The banks’ AI focus mirrors announcements from tech giants like Amazon and Microsoft, signaling a broader corporate shift.
- Long-Term Implementation: Goldman Sachs stated its AI transformation is a multi-year project aimed at improving client experience, profitability, and productivity.
新闻简报
总结
摩根大通和高盛等华尔街主要银行正围绕人工智能（AI）对其业务进行根本性重组。这项技术能够实现知识工作的大规模生产。这一战略转变导致银行即使在交易和投资银行业务带来极高利润的时期，也限制招聘并可能减少工作岗位。
关键点
- AI驱动的重组： 摩根大通和高盛正将AI嵌入其运营的各个方面，从客户服务到内部流程。
- 限制招聘： 尽管利润创下纪录，两家银行仍刻意限制人员编制增长。摩根大通CFO表示，在部署AI的过程中，公司”强烈反对”一有需求就招聘的惯性思维。
- 利润与人员： 摩根大通第三季度利润跃升12%，达到144亿美元，而其员工人数仅增长1%。
- 未来工作影响： 银行高管承认AI将淘汰部分岗位，尤其是在运营和支持部门，但计划对受影响员工进行再培训。
- 行业趋势： 银行的AI焦点与亚马逊和微软等科技巨头的声明相呼应，表明更广泛的企业转型趋势。
- 长期实施： 高盛表示其AI转型是一个多年期项目，旨在改善客户体验、提高盈利能力和生产力。
Original Article Link: https://www.cnbc.com/2025/10/15/jpmorgan-chase-goldman-sachs-ai-hiring.html