Top performing small banks: making money the old-fashioned way
研究了美国小银行在1980年代盈利能力普遍下降的背景下，仍有2%的银行通过强调基本银行业务（获取低成本资金和进行低风险投资）保持高盈利。
Although the profitability of U.S. small banks shrank in the 1980s, two percent of these banks remained highly profitable by emphasizing basic banking, namely acquiring low-cost funds and making low-risk investments.