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ID:350638
大小:77.50 KB
页数:15页
时间:2017-07-26
《社区银行所面临的机遇与挑战【外文翻译】》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
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-s
2、izedbusinessesfrommajorcitiestoruraloutpostsacrossthecountry.Whiletheyfacechallengessimilartotheirlarger,historicallymorediversifiedcompetitors,downmarketsoftenpresentcommunitybankswithuniqueopportunities.Communitybanksarefrequentlyabletocapitalizeoncustomers’growingdissatisfactionwithlargerban
3、ks.Uncertaintiescausedbythecreditcrisis,andadismissiveattitudeandlackofflexibilityarecausingincreasingnumbersofindividualsandbusinessestoseekservicesprovidedbycommunitybanks.Theirsuccessincapitalizingonthissentimentiscontingentoncommunitybankingleadership’sabilitytorecognizeandreactquicklytoits
4、customers’changingneeds.Unlikelargercompetitors,communitybanksseetheirsuccessasinextricablylinkedwiththatofthecommunityasawhole,bothwithbusinessandindividualcustomers.Manyhaveweatheredthepastdecadesbymaintaininganaggressiveyetconservativestrategybasedonafocusedmissiontoservetheircommunities.Yet
5、,theymustdomorewithless.Withshrinkingnetinterestincome,theymustmeetburdensomeregulationandcomplianceedicts;BankSecrecyAct(BSA)andGrahamLeachBliley(GLBA)areexamplesthatcarrystiffmonetarypenaltiesfornon-compliance,embracenewtechnologiesandservices,andoffercompetitiveproductsandrates–whilestillpro
6、vidingthepersonaltouch.Successdependsonleadershipthatseizesappropriateopportunities,meetschallengesandbuildscohesivecultures.ToaugmentKorn/Ferry’sexperientialdata,anumberofsenior-levelexecutivesprovidedinsightsconcerningthestateofcommunitybanking.Additionally,wesurveyedexecutiveswhoareregularly
7、involvedinthehiringprocessatbothnationalandcommunitybanksandusingKorn/Ferry’sbehavioralassessmentmethodology,analyzedthesimilaritiesanddifferencesinwhatlargebanksandsmallbankslookforwhenhiringabusinessleader.MarketOpportunitiesfor
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