[doc]-外文翻译-------社区银行所面临的机遇与挑战-其他专业

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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,theyhaveservedasadrivingforcebehindthegrowthofsmall-tomid-size

2、dbusinessesfrommajorcitiestoruraloutpostsacrossthecountry.Whiletheyfacechallengessimilartotheirlarger,historicallymorediversifiedcompetitors,downmarketsoftenpresentcommunitybankswithuniqueopportunities.Communitybanksarefrequentlyabletocapitalizeoncustomers’growingdissatisfactionwithlargerbanks.Unc

3、ertaintiescausedbythecreditcrisis,andadismissiveattitudeandlackofflexibilityarecausingincreasingnumbersofindividualsandbusinessestoseekservicesprovidedbycommunitybanks.Theirsuccessincapitalizingonthissentimentiscontingentoncommunitybankingleadership’sabilitytorecognizeandreactquicklytoitscustomers

4、’changingneeds.Unlikelargercompetitors,communitybanksseetheirsuccessasinextricablylinkedwiththatofthecommunityasawhole,bothwithbusinessandindividualcustomers.Manyhaveweatheredthepastdecadesbymaintaininganaggressiveyetconservativestrategybasedonafocusedmissiontoservetheircommunities.Yet,theymustdom

5、orewithless.Withshrinkingnetinterestincome,theymustmeetburdensomeregulationandcomplianceedicts;BankSecrecyAct(BSA)andGrahamLeachBliley(GLBA)areexamplesthatcarrystiffmonetarypenaltiesfornon-compliance,embracenewtechnologiesandservices,andoffercompetitiveproductsandrates–whilestillprovidingtheperson

6、altouch.Successdependsonleadershipthatseizesappropriateopportunities,meetschallengesandbuildscohesivecultures.ToaugmentKorn/Ferry’sexperientialdata,anumberofsenior-levelexecutivesprovidedinsightsconcerningthestateofcommunitybanking.Additionally,wesurveyedexecutiveswhoareregularlyinvolvedinthehirin

7、gprocessatbothnationalandcommunitybanksandusingKorn/Ferry’sbehavioralassessmentmethodology,analyzedthesimilaritiesanddifferencesinwhatlargebanksandsmallbankslookforwhenhiringabusinessleader.MarketOpportunitiesfor