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At Wells Fargo, managers have dreamt up a new ratio to track alongside such banking stalwarts as provision coverage and capital adequacy. It is called the happy:grumpy ratio, and measures how many cheery staff the bank employs for every curmudgeon. 富国银行(Wells Fargo)的管理者想出了一个新的比率，用来与拨备覆盖率和资本充足率等银行业使用的可靠比率一起追踪银行的状况。它被称作快乐暴躁率，衡量的是银行中快乐员工与暴躁员工人数之比。 The point of this exercise, executives told the Wall Street Journal last week, was that happy employees are more likely to do the right thing than unhappy ones. Financial regulators, who have recently been exercising themselves about the nasty culture of banks, will no doubt be impressed. And they will be even more so when they see how this ratio is moving at the San Francisco bank. Only five years ago happy bankers (measured by their own assessment) outnumbered the grumpy ones by 3.8 to 1; by last year there were eight times as many Pollyannas at Wells Fargo as there were miserable sods. 富国银行的高管近日告诉《华尔街日报》(Wall Street Journal)说，这项实践的出发点是，快乐的员工比不快乐的员工更有可能做正确的事。这无疑会给近期一直对银行的恶劣文化感到头疼的金融监管者留下深刻印象。而且，当看到该比率在这家总部位于旧金山的银行的走势变化时，他们的印象会更加深刻。五年前，快乐银行家（快乐与否是基于他们的自我评估）与暴躁银行家的人数之比还是3.8:1；而到了去年，富国银行内快乐员工的人数已是不快乐员工的8倍。 | 
