社区银行所面临的机遇与挑战[文献翻译]

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1、本科毕业论文外文翻译外文题目：OpportunitiesandChallengesfacingCommunityBank出处：Thekorn/ferryinsititute作者：TedJohnson原文：OpportunitiesandChallengesfacingCommunityBanksTedJohnsonCommunitybankshavelongbeenthebackboneoftheUSbankingsystem.Sincetheirinception,theyhaveservedasadrivingfo

2、rcebehindthegrowthofsmall-tomid-sizedbusinessesfrommajorcitiestoruraloutpostsacrossthecountry.Whiletheyfacechallengessimilartotheirlarger,historicallymorediversifiedcompetitors,downmarketsoftenpresentcommunitybankswithuniqueopportunities.Communitybanksarefrequen

3、tlyabletocapitalizeoncustomers’growingdissatisfactionwithlargerbanks.Uncertaintiescausedbythecreditcrisis,andadismissiveattitudeandlackofflexibilityarecausingincreasingnumbersofindividualsandbusinessestoseekservicesprovidedbycommunitybanks.Theirsuccessincapitali

4、zingonthissentimentiscontingentoncommunitybankingleadership’sabilitytorecognizeandreactquicklytoitscustomers’changingneeds.Unlikelargercompetitors,communitybanksseetheirsuccessasinextricablylinkedwiththatofthecommunityasawhole,bothwithbusinessandindividualcustom

5、ers.Manyhaveweatheredthepastdecadesbymaintaininganaggressiveyetconservativestrategybasedonafocusedmissiontoservetheircommunities.Yet,theymustdomorewithless.Withshrinkingnetinterestincome,theymustmeetburdensomeregulationandcomplianceedicts;BankSecrecyAct(BSA)andG

6、rahamLeachBliley(GLBA)areexamplesthatcarrystiffmonetarypenaltiesfornon-compliance,embracenewtechnologiesandservices,andoffercompetitiveproductsandrates–whilestillprovidingthepersonaltouch.Successdependsonleadershipthatseizesappropriateopportunities,meetschalleng

7、esandbuildscohesivecultures.ToaugmentKorn/Ferry’sexperientialdata,anumberofsenior-levelexecutivesprovidedinsightsconcerningthestateofcommunitybanking.Additionally,wesurveyedexecutiveswhoareregularlyinvolvedinthehiringprocessatbothnationalandcommunitybanksandusin

8、gKorn/Ferry’sbehavioralassessmentmethodology,analyzedthesimilaritiesanddifferencesinwhatlargebanksandsmallbankslookforwhenhiringabusinessleader.MarketOpportunitiesfor