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ID:9910927
大小:68.50 KB
页数:15页
时间:2018-05-15
《社区银行所面临的机遇与挑战[文献翻译]》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,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
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