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美国富国银行（WellsFargo）1852年成立于美国纽约，是一家多元化金融集团，总资产为12000亿美元。今天的美国富国银行由1998年西北银行(Norwest)收购原有美国富国银行后改名并迁往旧美国富国银行总部旧金山而来。若以存款、家庭贷款与金融卡业务统计，美国富国银行则排名全美第二。可以不夸张地说，美国富国银行是美国最好的银行。从1852年起，美国富国银行已经成为美国西部信贷服务的标志性企业。

截至2011年12月31日，总资产高达11610亿美元，总资产排名全美第四，在纽约交易所上市（代码：WFC），市值为1800亿美元，是美国市值第一的银行。拥有27万的员工，拥有七千万的客户，拥有超过9000家分支机构，在《财富》杂志中利润排行第十七名。

100多年前，运输邮件和现金需要长途旅行，走过沙漠、草原和山岭。在美国黄金潮时期，美国富国银行为顾客提供了有规律联络（包括1864年第一次通过电报进行的电子交易），运输重要的商品，将未加工的黄金运送到加工地点制成金币。今天，美国富国银行仍然坚持每时每刻都为顾客提供重要的经济服务—通过自动取款机、电话、个人电脑和不断发展的银行网点。美国富国银行高度的办公效率非常著名，并使顾客能从先进的产品和服务中获得利益。

富国银行2013年6月26日首次成为全球市值最大的银行，之后与工商银行4次交换第一位置。富国银行自7月12日起一直维持最高市值，并且过去30天的市值超过工商银行。

1986年，美国富国银行收购了克罗克银行，并打算缩减合并的各项开支。这并不令人奇怪——任何一家银行在不景气的时候都会谋求合并，为的是在经济萧条的情况下，将开支降到最低点，以保护企业。美国富国银行一早就定下结论，克罗克银行的原班人马中的绝大部分都是不合适的人选。他们都是一些接受过最高等教育、拘泥于经典银行经营模式的经理人。银行设有专门的主管饭厅、大理石的装帧，富丽堂皇，还有专业水准的厨师和价值50万美元的餐具。与此形成鲜明对比的是美国富国银行的“清苦”文化，他们管理者的就餐待遇与大学生食堂一般无二。而这次合并不是一个平等的合并，之后克罗克银行原班人马做了鸟兽散。

这是吉姆－柯林斯在其被美国《商业周刊》评为2001年十佳商业书之一的《从优秀到卓越》中所讲的一个真实的故事。美国富国银行是一个卓越的公司，他们从1983－1998年15年间的收益是同期大盘股指的3.99倍，是英特尔公司的1.5倍，通用电器的3倍，可口可乐的4.5倍。这个时期金融业远远不如高科技股、汽车及电器等行业景气，因此美国富国银行的业绩令人惊奇。

Wells Fargo, founded in New York in 1852, is a diversified financial group with total assets of $120 billion. Today's Wells Fargo came from the former Wells Fargo Bank acquired by Northwest bank in 1998 and moved to San Francisco, the headquarters of the former Wells Fargo Bank. According to the statistics of deposit, family loan and financial card business, Wells Fargo ranked second in the United States. It is no exaggeration to say that Wells Fargo is the best bank in the United States. Since 1852, Wells Fargo Bank has become a landmark enterprise of credit services in the west of the United States. As of December 31, 2011, with total assets of up to US $1161 billion, ranking fourth in the United States, listed on the New York Stock Exchange (Code: WFC), with a market value of US $180 billion, it is the bank with the largest market value in the United States. It has 270000 employees, 70 million customers, more than 9000 branches, ranking 17th in the profit of Fortune magazine. More than 100 years ago, transporting mail and cash required a long journey through deserts, grasslands and mountains. During the golden tide of the United States, Wells Fargo provided regular contact for customers (including the first electronic transaction by telegraph in 1864), transportation of important commodities, and transportation of unprocessed gold to the processing site to make gold coins. Today, Wells Fargo still insists on providing customers with important economic services at all times - through ATMs, telephones, personal computers and growing banking outlets. Wells Fargo is well known for its high office efficiency and enables customers to benefit from advanced products and services. Wells Fargo became the world's largest bank by market value for the first time on June 26, 2013, and then exchanged the first position with ICBC four times. Wells Fargo has maintained its highest market value since July 12 and has surpassed ICBC in the past 30 days. In 1986, Wells Fargo acquired Crocker bank and intends to reduce the expenses of the merger. It's not surprising that any bank will seek to merge in a recession in order to keep spending to a minimum and protect businesses in a recession. Wells Fargo has long concluded that most of Crocker's original staff were unsuitable candidates. They are all managers who have received the highest education and stick to the classic bank business model. The bank has a special dining room, marble decoration, magnificence, professional chef and 500000 dollar tableware. In sharp contrast to this is the "bitter" culture of Wells Fargo Bank. Their managers' dining treatment is the same as that of college canteen. But this merger is not an equal merger. After that, the original staff of Crocker bank broke up. This is a true story told by Jim Collins in his "from excellent to excellent" which was rated as one of the top ten business books in 2001 by business week. Wells Fargo Bank is an outstanding company. Its revenue from 1983 to 1998 was 3.99 times of the stock index of the same period, 1.5 times of Intel, 3 times of General Electric, 4.5 times of Coca Cola. During this period, the financial industry was far less prosperous than high-tech stocks, automobile and electrical industries, so Wells Fargo's performance was amazing.

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