Forbes.com readers and editors rank J.P. Morgan as the second most influential businessman of all time. Because of his integrity, stewardship and unlimited resources, J.P. Morgan was perhaps the most important banker who ever lived. Morgan helped ailing railroads by snapping up cheap assets and installing capable managers. He was involved in the formation of major industrial concerns, including U.S. Steel, General Electric (nyse: GE - news - people ), AT&T (nyse: T - news - people ) and International Harvester. In times of crisis, Morgan himself acted as the de facto bank of last resort, stepping in and averting two potential financial crises. Historian John Steele Gordon points out that Morgan's influence was so outsized that it convinced policymakers that the United States needed a central bank and could not rely on one private individual. The Federal Reserve was founded a year after his death. 　　
　
　
　　福布斯网站（Forbes.com）的读者和编辑将J.P.摩根列为历史上第2位最有影响力的商人。 　　
　　由于他的诚实正直、受托理财和无限的资源，J.P.摩根也许是自有银行家以来最重要的银行家。 　　
　　通过抢购廉价的资产和任命有能力的经理人，摩根帮助了岌岌可危的铁路。 　　
　　他也参与了主要工业企业的创建，如美国钢铁、GE，AT＆T和国际收割机公司。 　　
　　经济危机时，摩根自己扮演了事实上的最终银行的角色，插手帮助并成功避免了两次潜在的财经危机。历史学家戈登（John Steele Gordon）指出，摩根的影响如此的显著，以至于政策制定者们深信美国需要一个中央银行，并且不能依赖于一个私人。摩根去世一年后，美联储成立。