The article says about the attempt to find the answer to the question: which strategy is the most perspective one – that of diversification, specialization or universalization, based on the principle focus. Special attention is paid to the analysis of advantages and disadvantages of the strategy variants mentioned above and to the factors of increased significance of the letter in modern conditions.
History of the active struggle of the Russian Orthodox Church against usury, and therefore of the Church’s activity in establishing a system of affordable credit for people in the beginning of XX century is not limited to credit cooperatives only.
A citizen is an economically weak party and requires special protection of his rights, which entails the necessity to restrict the freedom of the other party — banks.
The young Russian market has already gained a number of achievements. Today one can affirm that the basis of the market are formed, experience of two crises (1998 and 2008) is accumulated, prerequisites for new tools development are created, measures to improve financial literacy of the population are being taken.
The low dynamics of equity capital increment proves that owners and shareholders are not particularly striving to invest in banks. There are two reasons of this: either they do not have usable funds or they are not sure whether to invest at all, because they don’t know what will happen next.