外文翻譯-------社區銀行所面臨的機遇與挑戰-其他專業(編輯修改稿)

　

【文章內容簡介】 ural farm munity who are focused on service. In Bloomington/Normal, the workforce and environment are very different. Our strength is that a munity bank is an extremely nice place to work. Due to size, we can‘t offer the same salary and benefits as the large banks. However, we do provide things that the bigger banks do not.‖ As part of the research for this paper, we conducted a survey to analyze the similarities and differences in what large banks and small banks look for when hiring a business leader. Nevertheless, the survey uncovered some telling differences. The munity bank respondents were more likely to focus on a President‘s ability to deal with peoplecentric aspects of managing an anization, while large bank respondents were more likely to focus on an executive‘s operational style. Among the munity bank participants, there was more emphasis placed on one‘s ability to make difficult people calls when required., sizing up people and hiring and staffing – and less emphasis on anizational positioning skills. For large banks, missioncritical skills included “ Dealing with Trouble,‖ which includes mand skills and conflict management. For larger banks, personal and interpersonal skills were rated as less important. leadership Characteristics importance rating Community Banks large Banks Mission Critical Common Inspiring Others Acting With Honor and Character Understand the Busines Make Complex Decisions Effective Communication Skills Inspiring Others Acting With Honor and Character Understand Business Make Complex Decisions Effective Communication Skills Mission Critical Differences Making Tough People Calls Dealing with Trouble Less Important Organizational Positioning Skills Personal and Interpersonal Skills The implications for a recruitment process are clear. Certain characteristics, such as an executive acting with honor and character, and effective munication skills, are prerequisites to running a bank of any size. Additionally, successfully managing any business will always require a certain amount of balance between the people and operational aspects of leadership. However, the research does indicate that the next wave of munity bank leaders will be those who are able to navigate the human capital aspects of their roles more adeptly and more regularly than their counterparts at larger anizations. Overing economic and regulatory Challenges The economy, costs of regulation and pliance, and limited resources represent major challenges for munity banks. Palen is intensely aware that customers are dollar conscious, particularly in today‘s economic climate. He acknowledges having lost several deals because his rates and terms were less favorable than some offered by larger banks. Bentley concurs. ―Just being a munity bank doesn‘t guarantee success,‖ he says. ―You must be petitive in price, product and technology.‖ The current regulatory burden is seen as a key factor affecting munity banking. “ Demands are greater all the time,‖ says Palen. ―Everybody wears more hats and does more jobs. With limited staff numbers, this raises special concern about internal control. It is difficult to divide jobs and duties.‖ This can unfortunately result in employee burnout, a threat to smaller munity banks‘ petitive edge. Regardless of costs, regulation is here to stay. Laconia Savings Bank takes a realistic approach, embracing regulatory pliance as part of the bank‘s culture. “ We take it seriously, proactively being as pliant as we can. Rather than resist it, we learn from it,‖ says Primeau. ―We make sure the top embraces this instead of dismissing it. Attitude filters down.‖ Citizens State Bank of Chatsworth is intent on maintaining the character of a family bank while finding ways to ply with all regulations. ―We‘ve converted from outside to inside core processes,‖ says Herr. ―All basic functions are now inhouse. This gives us a better handle on the numbers and reporting.‖ leading the Way As the demands of munity banking have grown, so has the need for strateg