| | | | PROBLEMS OF MODERN ECONOMICS, N 3 (31), 2009 | | | | FINANCE AND CREDIT SYSTEM: BUDGET, CURRENCY AND CREDIT REGULATION OF ECONOMY, INVESTMENT RESOURCES | | | Bochkarev S. V.
Vice-chairman of the board of administration OAO “VTB North-West”,
Candidate of Science (Economics)
Pochikovaskaya E. A.
Assistant Professor, Chair of Credit Theory and Financial Management, St.Petersburg State University,
Candidate of Science (Economics)
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| | | The article defines the content of the competitive strategy model of the universal bank, presents a three-level approach to the analysis of content and principles of formation of this strategy. The authors suggest the principle of “focusing” and discuss its applicability in relation the model | | Key words: universal bank, strategy of bank universalization, principle of "focusing", competition | |
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