<p><strong>富国银行</strong>(WFC 0.79%) 在监管机构因假账户丑闻对其增长施加限制七年多后，终于走出了惩罚期。</p>
<p>投资者松了一口气，截至东部时间上午 10 点，富国银行的股价上涨了 3%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjA1NjYvd2VsbHMtZmFyZ28tYnJhbmNoLXNvdXJjZS13ZmMuanBnJnc9NzAw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjA1NjYvd2VsbHMtZmFyZ28tYnJhbmNoLXNvdXJjZS13ZmMuanBnJnc9NzAw"/></p>
<p>图片来源：富国银行。</p>
<h2>自由增长</h2>
<p>对于富国银行来说，这是失去的十年。近十年前，这家商业银行巨头披露其为推动增长而开设了数百万个未经授权的客户账户。2018 年，联邦储备委员会对富国银行的总资产施加了上限，限制了该银行的增长能力，直到监管机构确信富国银行已经吸取了教训。</p>
<p>周二晚些时候，富国银行表示，联邦储备委员会已确定该银行满足解除上限的所有条件。</p>
<p>首席执行官查理·沙夫称这一决定是 “我们转型富国银行旅程中的一个关键里程碑”，并表示该银行已准备好迎接增长。</p>
<p>沙夫表示：“我们一直在有条不紊地投资公司的未来，同时改善我们的财务业绩和形象。我们很高兴能够继续推进计划，以一种有条理的方式进一步提高回报和增长，这得益于我们所做的流程和文化变革。”</p>
<h2>富国银行的股票值得买吗？</h2>
<p>根据一些估计，在上限施加期间，富国银行错失了超过 390 亿美元的利润。虽然无法弥补失去的时间，但这一数据为该银行未来的增长潜力提供了一些背景。</p>
<p>自 2019 年加入以来，沙夫对富国银行进行了许多变革，通过出售包括商业抵押贷款服务部门和学生贷款业务在内的业务，简化了其庞大的业务结构。联邦储备委员会的行动使富国银行能够扩大其贷款业务，并在其资产负债表上保留更多这些贷款，同时增加其存款基础。</p>
<p>富国银行拥有全国性的特许经营和稳健的领导力。该银行在未来几年内有望超越同行。</p>

富国银行

<p>富国银行的股价在美联储解除因假账户丑闻而施加的增长限制后上涨了 3%。首席执行官查理·沙夫（Charlie Scharf）将这一决定形容为一个关键的里程碑，使银行能够扩大其贷款和存款基础。在过去十年中，富国银行因这些限制错失了约 390 亿美元的利润。随着近期的变化和对增长的关注，该银行有望在未来超越同行</p>

<p><strong>Wells Fargo</strong>(WFC 0.79%) is out of the penalty box, more than seven years after regulators put limits on growth in response to a fake-accounts scandal.</p>
<div class="lb-trans"><p><strong>富国银行</strong>(WFC 0.79%) 在监管机构因假账户丑闻对其增长施加限制七年多后，终于走出了惩罚期。</p>
</div><p>Investors are relieved, sending Wells Fargo shares up 3% as of 10 a.m. ET.</p>
<div class="lb-trans"><p>投资者松了一口气，截至东部时间上午 10 点，富国银行的股价上涨了 3%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjA1NjYvd2VsbHMtZmFyZ28tYnJhbmNoLXNvdXJjZS13ZmMuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F820566%2Fwells-fargo-branch-source-wfc.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Wells Fargo.</p>
<div class="lb-trans"><p>图片来源：富国银行。</p>
</div><h2>Freedom to grow</h2>
<div class="lb-trans"><h2>自由增长</h2>
</div><p>It has been a lost decade for Wells Fargo. Nearly 10 years ago, the commercial banking powerhouse disclosed it had opened millions of unauthorized customer accounts to pad growth. In 2018, the Federal Reserve placed caps on Wells Fargo's total assets, limiting the bank's ability to grow until the regulator was convinced Wells Fargo had learned its lesson.</p>
<div class="lb-trans"><p>对于富国银行来说，这是失去的十年。近十年前，这家商业银行巨头披露其为推动增长而开设了数百万个未经授权的客户账户。2018 年，联邦储备委员会对富国银行的总资产施加了上限，限制了该银行的增长能力，直到监管机构确信富国银行已经吸取了教训。</p>
</div><p>Late Tuesday, Wells Fargo said the Fed had determined the bank has met all conditions to have the caps removed.</p>
<div class="lb-trans"><p>周二晚些时候，富国银行表示，联邦储备委员会已确定该银行满足解除上限的所有条件。</p>
</div><p>CEO Charlie Scharf called the decision &#34;a pivotal milestone in our journey to transform Wells Fargo,&#34; and said the bank is primed for growth.</p>
<div class="lb-trans"><p>首席执行官查理·沙夫称这一决定是 “我们转型富国银行旅程中的一个关键里程碑”，并表示该银行已准备好迎接增长。</p>
</div><p>&#34;We have been methodically investing in the company's future while improving our financial results and profile,&#34; Scharf said. &#34;We are excited to continue to move forward with plans to further increase returns and growth in a deliberate manner supported by the processes and cultural changes we have made.&#34;</p>
<div class="lb-trans"><p>沙夫表示：“我们一直在有条不紊地投资公司的未来，同时改善我们的财务业绩和形象。我们很高兴能够继续推进计划，以一种有条理的方式进一步提高回报和增长，这得益于我们所做的流程和文化变革。”</p>
</div><h2>Is Wells Fargo stock a buy?</h2>
<div class="lb-trans"><h2>富国银行的股票值得买吗？</h2>
</div><p>By some estimates, Wells Fargo missed out on upward of $39 billion in profits during the years the caps were in place. There's no way to make up for lost time, but the stat provides some context about the bank's potential to grow from here.</p>
<div class="lb-trans"><p>根据一些估计，在上限施加期间，富国银行错失了超过 390 亿美元的利润。虽然无法弥补失去的时间，但这一数据为该银行未来的增长潜力提供了一些背景。</p>
</div><p>Scharf has made a lot of changes to Wells Fargo since joining in 2019, simplifying its sprawling business by selling businesses including its commercial mortgage servicing unit and student loan operation. The Fed's action frees Wells Fargo to expand its lending business and keep more of those loans on its balance sheet, as well as grow its deposit base.</p>
<div class="lb-trans"><p>自 2019 年加入以来，沙夫对富国银行进行了许多变革，通过出售包括商业抵押贷款服务部门和学生贷款业务在内的业务，简化了其庞大的业务结构。联邦储备委员会的行动使富国银行能够扩大其贷款业务，并在其资产负债表上保留更多这些贷款，同时增加其存款基础。</p>
</div><p>Wells Fargo has a nationwide franchise and solid leadership. The bank is well positioned to outperform its peers in the years to come.</p>
<div class="lb-trans"><p>富国银行拥有全国性的特许经营和稳健的领导力。该银行在未来几年内有望超越同行。</p>
</div>

Why Wells Fargo Shares Are Up Today

- 富国银行在监管限制解除后，股价上涨 3%。  
- 该行已满足美联储解除资产上限的所有条件。  
- CEO 表示将继续推动增长和提高回报。

为什么富国银行的股价今天上涨