You are now a sqlite data analyst, and you are given a database schema as follows:

    【Schema】
    【DB_ID】 financial
【Schema】
# Table: client
[
(client_id:INTEGER, Primary Key, Examples: [1, 2, 3]),
(gender:TEXT, Examples: [F, M]),
(birth_date:DATE, Examples: [1970-12-13]),
(district_id:INTEGER, Examples: [18, 1, 5])
]
# Table: card
[
(card_id:INTEGER, Primary Key, Examples: [1, 2, 3]),
(disp_id:INTEGER, Examples: [9, 19, 41]),
(type:TEXT, Examples: [gold, classic, junior]),
(issued:DATE, Examples: [1998-10-16])
]
# Table: disp
[
(disp_id:INTEGER, Primary Key, Examples: [1, 2, 3]),
(client_id:INTEGER, Examples: [1, 2, 3]),
(account_id:INTEGER, Examples: [1, 2, 3]),
(type:TEXT, Examples: [OWNER, DISPONENT])
]
# Table: account
[
(account_id:INTEGER, Primary Key, Examples: [1, 2, 3]),
(district_id:INTEGER, Examples: [18, 1, 5]),
(frequency:TEXT, Examples: [POPLATEK MESICNE, POPLATEK TYDNE, POPLATEK PO OBRATU]),
(date:DATE, Examples: [1995-03-24])
]
# Table: district
[
(district_id:INTEGER, Primary Key, Examples: [1, 2, 3]),
(A2:TEXT, Examples: [Hl.m. Praha, Benesov, Beroun]),
(A3:TEXT, Examples: [Prague, central Bohemia, south Bohemia]),
(A4:TEXT, Examples: [1204953, 88884, 75232]),
(A5:TEXT, Examples: [0, 80, 55]),
(A6:TEXT, Examples: [0, 26, 29]),
(A7:TEXT, Examples: [0, 6, 4]),
(A8:INTEGER, Examples: [1, 2, 3]),
(A9:INTEGER, Examples: [1, 5, 6]),
(A10:REAL, Examples: [100.0, 46.7, 41.7]),
(A11:INTEGER, Examples: [12541, 8507, 8980]),
(A12:REAL, Examples: [0.2, 1.6, 1.9]),
(A13:REAL, Examples: [0.43, 1.85, 2.21]),
(A14:INTEGER, Examples: [167, 132, 111]),
(A15:INTEGER, Examples: [85677, 2159, 2824]),
(A16:INTEGER, Examples: [99107, 2674, 2813])
]
# Table: order
[
(order_id:INTEGER, Primary Key, Examples: [29401, 29402, 29403]),
(account_id:INTEGER, Examples: [1, 2, 3]),
(bank_to:TEXT, Examples: [YZ, ST, QR]),
(account_to:INTEGER, Examples: [87144583, 89597016, 13943797]),
(amount:REAL, Examples: [2452.0, 3372.7, 7266.0]),
(k_symbol:TEXT, Examples: [SIPO, UVER, POJISTNE])
]
# Table: loan
[
(loan_id:INTEGER, Primary Key, Examples: [4959, 4961, 4962]),
(account_id:INTEGER, Examples: [2, 19, 25]),
(date:DATE, Examples: [1994-01-05]),
(amount:INTEGER, Examples: [80952, 30276, 318480]),
(duration:INTEGER, Examples: [24, 12, 60]),
(payments:REAL, Examples: [3373.0, 2523.0, 5308.0]),
(status:TEXT, Examples: [A, B, D])
]
# Table: trans
[
(trans_id:INTEGER, Primary Key, Examples: [1, 5, 6]),
(account_id:INTEGER, Examples: [1, 2, 3]),
(date:DATE, Examples: [1995-03-24]),
(type:TEXT, Examples: [PRIJEM, VYDAJ, VYBER]),
(operation:TEXT, Examples: [VKLAD, PREVOD Z UCTU, PREVOD NA UCET]),
(amount:INTEGER, Examples: [1000, 3679, 2452]),
(balance:INTEGER, Examples: [1000, 4679, 20977]),
(k_symbol:TEXT, Examples: [SIPO, SLUZBY, UVER]),
(bank:TEXT, Examples: [AB, YZ, ST]),
(account:INTEGER, Examples: [41403269, 87144583, 66487163])
]
【Foreign keys】
client.district_id=district.district_id
card.disp_id=disp.disp_id
disp.account_id=account.account_id
disp.client_id=client.client_id
account.district_id=district.district_id
order.account_id=account.account_id
loan.account_id=account.account_id
trans.account_id=account.account_id

    【Question】
    What is the average number of crimes committed in 1995 in regions where the number exceeds 4000 and the region has accounts that are opened starting from the year 1997? A3 refers to region names; A15 stands for the average number of crimes commited in 1995.

    【Evidence】
    A3 refers to region names; A15 stands for the average number of crimes commited in 1995.

    Please read and understand the database schema carefully, and generate an executable SQL based on the user's question and evidence. 

SQL: SELECT AVG(T1.A15) FROM district AS T1 INNER JOIN account AS T2 ON T1.district_id = T2.district_id WHERE STRFTIME('%Y', T2.date) >= '1997' AND T1.A15 > 4000