bet365 best casino games November 14，World Science and Technology Research News Information Network (PHYS) post a post，The economist at the National Research University Higher School of Economics recently analyzed the 2004-2015 state -owned banks in the Russian market from 2004 to 2015、The performance of private banks and foreign banks。They found，During the stability of Russia's economy，The performance of foreign banks is better than the other two types of banks; during the economic crisis (2008-2013)，A better performance of state -owned banks。

Economists at the National University of Russia's National Higher Economic University analyzed a total of 240 bank report data，The total assets of these banks account for 91%of the total assets of Russia's banking industry。What factors hope to find factors will have a negative impact on bank asset yields (RETURN On Assets)。Research results show，ownership、Bet365 lotto review Assets and liability structure indicators、The risk status of the loan portfolio is three important factors，and other potential influencing factors also include currency exchange rates、Bank capital adequacy ratio、The geographical location and degree of professionalization of the bank。

Researchers think，2004-2008 in Russia's economy，Foreign banks have a high profit margin，The reason is that foreign banks have better management practice。But during the period of economic instability from 2008 to 2013，The profitability of state -owned banks is better，The reason is bet365 Play online games that state -owned banks have greater capital stock and replenishment capabilities。During the period of economic instability，State -owned banks have more resources，Let it attract family loan projects、Provide payment services to corporate customers stronger than other types of banks。，Russia has since launched the deposit insurance system，Many companies have shifted their accounts from private banks to state -owned banks。The latter is in service、Source stability in funds is better than the former。Current，State -owned banks are in a leading position Bet365 lotto review in home loans and corporate loans。The asset share of state -owned banks has also increased from 40%in 2004 to 61.5%in 2015，Realized stable growth。

　(Zhao Qi/Compilation)