“Classic” example of forcible change of socio-cultural, political, ethnic, national, religious identity, completed almost before our eyes, is the phenomenon of Kosovo.

The ethical market economy should be based on the following principles: modest growth, stability, care, ability to share, focus on the needs, economic development with a human face and a long-term profit optimization. Under present conditions a balance between government regulation and free market relations is required.

There are always risks and uncertainties. Any type of financing may be based on assumptions, which in their turn may turn up to be wrong.

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.

The Bank of Russia has long ago defined the problem of information security as one of the main components of the banking system stability.