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Your “savings” are usually put into the safest places, or prod- ucts, that allow you access to your money at any time. Sav- ings products include savings accounts, checking accounts, and certificates of deposit. Some deposits in these products may be insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration. But there’s a tradeoff for security and ready availability. Your money is paid a low wage as it works for you. After paying off credit cards or other high interest debt, most smart investors put enough money in a savings product to cover an emergency, like. | BOFIT Discussion Papers 3 2008 Alexei Karas Koen Schoors and Laurent Weill Are private banks more efficient than public banks Evidence from Russia EUROJARJESTELMA EUROSYSTEMET Bank of Finland BOFIT Institute for Economies in Transition BOFIT Discussion Papers Editor-in-Chief likka Korhonen BOFIT Discussion Papers 3 2008 10.4.2008 Alexei Karas Koen Schoors and Laurent Weill Are private banks more efficient than public banks Evidence from Russia ISBN 978-952-462-897-6 ISSN 1456-5889 online This paper can be downloaded without charge from http www.bof.fi bofit or from the Social Science Research Network electronic library at http ssrn.com abstract_id 1121709. Suomen Pankki Helsinki 2008 BOFIT- Institute for Economies in Transition Bank of Finland BOFIT Discussion Papers 3 2008 Contents Abstract.5 Tiivistelma.6 1 Introduction.7 2 Related literature.8 3 History and problems of the Russian banking sector.11 4 Data and variables.14 5 Methodology.17 6 Results.19 7 Further robustness checks.23 8 Concluding remarks.25 Reference list.28
