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Investment banking is a hierarchical industry, and banks typically hire young talent through two-year analyst contracts. Tens of thousands of 20-somethings (both from undergraduate and M.B.A. programs) apply for some 200 spots in each major bank’s program.
投行是一个等级森严的行业，银行通常会用两年的分析师合同来招聘年轻人才。数以万计的20多岁年轻人(包括本科生和MBA硕士生)会申请各大银行的分析师项目，每家银行的分析师项目约有200个名额。
Pay starts at more than $100,000, not including year-end bonuses. If they persevere, they move up the ranks to associate, then director and managing director; a handful end up running divisions.
分析师的起薪超过10万美元，不包括年终奖。如果分析师们坚持下去，他们就会晋升为助理，然后是董事和董事总经理，少数人最终会成为业务版块的总负责人。
And although grueling, the life of a senior banker can be glamorous, involving traveling around the globe to pitch clients and working on big-money corporate merger deals.
虽然工作令人精疲力竭，但高级银行家的生活是光鲜亮丽的，可以周游世界向客户提案，并参与大型企业合并交易。
There are jokes among junior bankers that the most common tasks of the job involve dragging icons from one side of a document to another, only to be asked to replace the icon over and again.
初级银行工作者之间有一个玩笑话：这份工作最常见的任务就是把图标从文档的一边拖到另一边，最后又被要求把图标位置换回去。
Val Srinivas, a senior researcher for banking at Deloitte, said a lot of the work involved “gathering material, poring through it and putting it through a different format.”
德勤的银行高级研究员瓦尔·斯里尼瓦斯表示，许多工作就是“收集材料、仔细研究，然后用不同的格式呈现出来”。
Gregory Larkin, another former banking analyst, said the new technology would start “a civil war” inside Wall Street’s biggest firms by tilting the balance of power to technologists who program A.I. tools, as opposed to the bankers who use them — to say nothing of technology giants like Microsoft and Google, which license much of the A.I. technology to banks for hefty fees.
另一位前银行分析师格雷戈里·拉金表示，AI技术将在华尔街最大的几家公司内部引发“内战”，使权力天平向编程AI工具的技术人员，而不是使用AI的银行家倾斜，更不用说微软和谷歌这样的科技巨头在授权大部分AI科技时向银行收取了高额费用。
A.I.’s impact on finance is simply one facet of how the technology will reshape the workplace for all. Artificial intelligence systems, which include large language models and question-and-answer bots like ChatGPT, can quickly synthesize information and automate tasks.
AI对金融的影响只是这项技术重塑所有工作的一个方面。人工智能系统包括大型语言模型和ChatGPT等问答机器人，这些系统可以快速整合信息并自动执行任务。
Deutsche Bank is uploading reams of financial data into proprietary A.I. tools that can instantaneously answer questions about publicly traded companies and create summary documents on complementary financial moves that might benefit a client — and earn the bank a profit.
德意志银行正在将大量金融数据上传到专有的AI工具中，这些工具可以即时回答有关上市公司的问题，并把可能使客户受益（也使银行赚到钱）的补充金融活动的信息创建成总结性文件。
Mr. Horine said he could use A.I. to identify clients that might be ripe for a bond offering, the sort of bread-and-butter transaction for which investment bankers charge clients millions of dollars.
霍林说他可以用AI确定哪些客户发行债券的时机已经成熟，这是投行的一种重要交易，可以向客户收取数百万美元的费用。
Many of those tools are still in the testing phase, and will need to be run past regulators before they can be deployed at scale on live work. Bank of America’s chief executive said last year that the technology was already enabling the firm to hire less.
许多这些工具仍处于测试阶段，需要通过监管机构的审查才能在实际工作中进行大规模部署。美国银行的首席执行官去年表示，这项技术已经使公司能够减少招聘。
Among Goldman Sachs’s sprawling A.I. efforts is a tool under development that can transfigure a lengthy PowerPoint document into a formal “S-1,” the legalese-packed document for initial public offerings required for all listed companies.
高盛进行了大范围的AI工作，其中一种正在开发的AI工具可以将一份冗长的PPT文件转化为正式的“S-1”，这种文件中有大量的法律术语，是所有上市公司都必须使用的IPO文件。
The software takes less than a second to complete the job.
该软件只需不到一秒的时间即可完成工作。
