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-siz

2、edbusinessesfrommajorcitiestoruraloutpostsacrossthecountry.Whiletheyfacechallengessimilartotheirlarger,historicallymorediversifiedcompetitors,downmarketsoftenpresentcommunitybankswithuniqueopportunities.Communitybanksarefrequentlyabletocapitalizeoncustomers’growingdissatisfactionwithlargerbanks.U

3、ncertaintiescausedbythecreditcrisis,andadismissiveattitudeandlackofflexibilityarecausingincreasingnumbersofindividualsandbusinessestoseekservicesprovidedbycommunitybanks.Theirsuccessincapitalizingonthissentimentiscontingentoncommunitybankingleadership’sabilitytorecognizeandreactquicklytoitscustom

4、ers’changingneeds.Unlikelargercompetitors,communitybanksseetheirsuccessasinextricablylinkedwiththatofthecommunityasawhole,bothwithbusinessandindividualcustomers.Manyhaveweatheredthepastdecadesbymaintaininganaggressiveyetconservativestrategybasedonafocusedmissiontoservetheircommunities.Yet,theymus

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

6、ersonaltouch.Successdependsonleadershipthatseizesappropriateopportunities,meetschallengesandbuildscohesivecultures.ToaugmentKorn/Ferry’sexperientialdata,anumberofsenior-levelexecutivesprovidedinsightsconcerningthestateofcommunitybanking.Additionally,wesurveyedexecutiveswhoareregularlyinvolvedinth

7、ehiringprocessatbothnationalandcommunitybanksandusingKorn/Ferry’sbehavioralassessmentmethodology,analyzedthesimilaritiesanddifferencesinwhatlargebanksandsmallbankslookforwhenhiringabusinessleader.MarketOpportunitiesfor