1、中文 3000字 ,1800单词， 9400英文字符 文献出处： Martin, David L. Needed: A New Community Bank Model J, Bank Accounting & Finance, 2009:21-29. http:/w ww.w 原文 Needed: A New Community Bank Model Martin, David L. Community banks need to find a new business model. Why? Because the old one doesnt work anymore. The evi
2、dence is a large and widening gap in profitability between community banks and larger banks, a gap that didnt exist 10 years ago. Having been involved with community banks for the past 20 years, I believe that many of the smallest banks are using largely the same business model today that they were
3、10 or 20 years ago; but todays new competitive, legislative and operating environ- ment is radically different from the 1980s and early 1990s. By one CEOs description, many community banks are generating expense in multiple business models and generating revenue in only one, and an old one at that.
4、What happened during the decade? Why did smaller banks lose ground? Whats the outlook for small banks? In this article, Ill try to answer all three questions. The views expressed here are based on personal observation and numerous contacts with community bankers. The evidence, therefore, is anecdota
5、l, but industry operating results support these observations. Community Bank Profitability in Decline Community banking profitability suffered in the past decade. Exhibits 1 and 2 show the changed picture: In 1996, all of the asset size groups had a return on average assets (ROAA) above 1.00 percent
6、, and there was no apparent correlation between size and profitability. By 2006, the smallest banks ROAA had dropped below 1.00 percent and only the largest banks gained ground during the decade. Moreover, the ascending bars in the right-hand graph suggest a strong positive correlation between size and profit- ability that wasnt apparent earlier. The smallest banks lost profitability not only in absolute terms, but also in relation to the
