Military Review

What is waiting for Russia? Degradation or a bright future?

283
After the just-held presidential elections in Russia, it is worth thinking about the question of our common future. More precisely, on the choice of direction. What will it be: further degradation or real development?




The problem is multifaceted, and these facets lie not only in the plane of the economy, although each of them concerns the economy to one degree or another. It just so happened after the collapse of the USSR that the wedge converged precisely on the economy. It is good that we have such effective weapons, which nobody has yet. But…

I will not discover America if I say that money is the blood of the economy. True, some say that money is the energy of the economy, but then the title of the article would not be so eloquent.

Money, like any blood, is intended for the smooth operation of the body, be it a human body or an economy. We emphasize - "healthy life." And with this we are not only bad, but even bad. Not exactly the same as ten and twenty years ago. And it gets worse. Why? And there is not enough blood. And why is it not enough?

Let's start with the banks. Banks are cash flow operators. It depends on them how healthy the economy will be, because only banks can give life-giving blood for its nutrition. But what are banks doing?

In theory, banks should provide funding for all economic processes in any country, effectively managing cash flows, multiplying the savings of customers who keep money in banks, and at the same time bring some profit to their owners at the expense of financial management.

Is it really in our country? We will not indulge in the turbid theories of the liberal economy. Let us also leave the problems of financing the real sector, there are already so many competent assessments. Let's see what ordinary people - bank customers think about them.

Reviews of banks you can find an immeasurable amount on the web. We can’t give everything here in the article. Look, at least, here: Reviews about loans in Russia. Here are just some of the characteristic headlines from these reviews:
“Miracles with interest rate;
Infinite credit;
Cars with state. backing = BAM from CET ... LEM BANK;
A bank that DOES NOT NEED to cooperate !;
Bank disgusting;
MT ... the bank steals money;
This is not a bank, this is a fraud;
Closed pre-term car loan and overpaid 9000 rub .;
Overdraft on Al ... fabankovsky;
The worst bank;
The bank is misleading!
A very dishonest bank;
Poor customer service, unclean people in the bank work;
Incompetence and fraud?
Fraud!!!
The loan was repaid in full 12.04.2013 of the year, but until the present, SMS about debt is coming;
The removal of the brain, starting with 07.03-09.03.2018 staff A..fa bank;
Imposed insurance;
The usual thugs of the nineties;
Cheating in case of refusal from the "Guaranteed Rate" service;
The bank has delayed its own payments;
The most irresponsible bank;
Did not connect the auto payment, but try to write off the amount;
Swindlers and Thieves ”…… ..

This is only a tiny fraction of the characteristic customer reviews about the banks that have provided them loans. Of all the negative reviews, most accounted for banks with state participation. There are manipulations with the terms of the loan agreement, unjustified withdrawal of funds, and untimely operations ordered by the client, and the bank’s actions without the client’s knowledge, imposing additional services, ignoring claims, and unjustified corruption of credit histories, and rejecting the words of managers not supported paragraphs of the contract, and even loan processing without the consent of the client! And many more interesting things can be found on a variety of resources on the web.

But neither the Regulator, nor any supervisory authority is interested in the troubles of ordinary people.

It is indicative that the disgraces of banks, right up to complete lawlessness, began with the coming to the leadership of the Central Bank of our "best" in Europe, the head of the Central Bank [Nabiullina became the best head of the Central Bank in Europe according to The Banker]. Previously, there was no such thing, for example, to ask for a car loan, but they offer you a “favorable rate” at a low interest rate. BUT ON CONDITION OF LIFE INSURANCE (?). Otherwise, you are, most likely, denied a loan, and a new application can be considered only after three months. In, how cleverly! Learn Western "partners."

Why insure life, if cars and so pledged to the bank? But why, it turns out that this insurance is non-refundable and in case of early repayment of the auto loan no one will return the remaining proportional part to you - because you have “voluntarily” insured yourself. In the army they say: "voluntarily-compulsory." Just a man has nowhere to go, so he goes on inward conditions. In other words, the bank will not be left behind, if the cunning client leaves him without any extra interest in case of early repayment of the loan.

We do not live on the moon (although sometimes we want to go there), and we know very well why the bank forces us to insure it with this insurance company, and not with our free choice.

And what if, auto, God forbid, hijacked? As a beneficiary, the bank will receive a full refund on the mandatory CASCO loan (they can also “vparit” with a gap), and only the cost of the car is included in it, but you will continue to pay the loan for the life insurance imposed on you you will not ride. But insurance was imposed as a condition for granting you a loan.

And at this time, a prominent banker can approach the President and happily report that here, they say, by lending the population at a low interest rate, slightly above the refinancing rate of the Central Bank. Lies and bases for the President! After all, people know how much we have loans. Only imposed life insurance can be 15 and even 25 percent of the loan amount! So, one shot of two birds with one stone kills a bank - and provides loans to the population at a “low interest”, as required by the President, and not only saved, but also multiplied.

But the Central Bank issued Decision 12 of December 2006 of the Year “On Amendments to the Bank of Russia Regulation of March 1759 of 26 of the Year No. XXUMX-P”, which actually obliged the lending banks to disclose the effective interest rate of the loan, There is a rate with all additional fees and payments. Banks that do not fulfill the requirement of the regulator with 2004 July 254, will be denied the right to include such loans in portfolios of homogeneous loans. Do not include ...

But maybe lawyers believe that meaningless life insurance, or some kind of “Black Card” worth 40 thousand rubles, imposed specifically for loan repayment, or CASCO on credit, do not belong to this requirement? How long will this senseless competition between the regulator and the legislator and bank lawyers last?

With commercial banks at the same time CENTROBANK, FEDERAL ANTIMONOPOLY SERVICE, ROSPOTREBNADZOR. The courts, too, almost never side with the clients affected by the actions of banks. After all, clever lawyers work for the bank, they know well, firstly, our laws (who wrote such bad laws?) And, secondly, the fact that almost all clients are not lawyers (and they should not be! After all earn money to carry them to this vile bank).

Here is the standard answer of a competent lawyer to an offended client:
“(Name), hello!
In fact, we inform you that when you make a loan, you decide for yourself what services will be provided to you in addition. At the same time, the decision of the Bank does not depend at all on whether there is an insurance or SMS informing service. Additionally, we inform you that when you made a loan agreement you entered into an insurance contract, due to which the interest rate under the agreement was reduced. At the same time, after the termination of this Insurance Agreement, in accordance with paragraph 4 of the Individual Conditions of the Agreement, the interest rate may be increased by 3,90%.
If you still plan to cancel the insurance service, then you can find information on the refusal of the service on the official website of the Bank: https://www.cetelem.ru/faq#q-77 (Section "Questions and Answers" - "Insurance" - "Life Insurance" and the section "Questions and Answers" - "Insurance" - "Other Voluntary Insurance".
We hope that our comments clarified the situation.
Yours faithfully,
Customer Service Management


In other words, you will never achieve anything. Not from one bank! But what about the holy commandment of the banker "CLIENT ALWAYS RIGHTS"? It may be right, but you can keep your rightness with you, the bank is only interested in your money.

And by what criteria did our head of the Central Bank become the “best” in Europe? Inflation targeting? Of course, it is not bad that inflation has decreased, although not in the way that statistical agencies report - real inflation, where people buy vital goods, first of all, products and medicines, higher than the one and a half to two times declared. But inflation is not an end in itself. The drained economy of Russia is already reminiscent of a worm in a swoon, and we all execute the “fiscal rule”, the main essence of which is the financing of the economies of Western countries, which suffocate us with their sanctions, endless humiliation and slander.

Is it possible that our head of the Central Bank became the best for clearing the Augean stables of the inheritance of his predecessors by eliminating unreliable banks? And what happens, for example, with a small business, when a license is revoked from a bank? As a rule, business perishes. And no one cares. But there are people there, they have lost their salary, which is sometimes their only source of livelihood. Then why some members of the Government are surprised that tens of millions (!) People work in the shadow economy? And their number is growing. But for the Central Bank they are not people, they are individuals.

They have nowhere else to go, so they are trying, at their own peril and risk, to somehow make money. But here the Pension Fund is already waiting - it does not charge the necessary points so that you will receive a pension worthy of your work, and there are already thousands of such cases in the country.

On the other hand, the owners of “unreliable banks” take out the money of their clients, and at the same time issued by the Central Bank, and received as interbank loans, to London and other hospitable jurisdictions. Apparently, this money passes through the state border through the correspondent accounts of the Central Bank (and otherwise, cryptocurrency has not yet received wide distribution). And no one stops these transactions, despite the fact that any bank can block the account of the commoner, if it considers it suspicious. And these banker transactions, aren't they suspicious?

And why do the bankers themselves freely leave for London and Nice after their money, while the violator of traffic rules can always stop at the border checkpoint for 10 thousand rubles of fines? Why is a bank deprived of a license if specific people are to blame for violations: bank owners, manager, some manager? Shouldn't they be held accountable? Why the reorganization cannot be reduced to the replacement of unsuitable bank staff? Then the enterprises - bank customers will not suffer.

Maybe that's why our Central Bank is the “best”? And why did you accept such a bad budget rule? And why it can not be flexibly changed under the emerging conjuncture of commodity markets? And why the economy will be worse if, instead of crediting our strategic competitors, we build, for example, a new airport in the Arctic or a free road or railroad? If people get paid for this useful work, where will they carry their money? Surely the western "partners"? And why does the economy feel bad because a withered cement factory comes to life and releases more cement? Is this not the growth of the economy that the Leader of the Nation demands from you? What clever person can so famously give money to a stranger, from whom one can wait for anything, if he himself desperately needs this money?

A lot of questions have accumulated to the banks and even to the Central Bank itself. But there are still no convincing answers to these questions. Therefore, I will express my narrow-minded opinion.

When registering a banking license, the Central Bank must specify the marginal margin above the refinancing rate, for example, 5-7 percent, depending on the conditions of the loan agreement. This is quite enough for the cost of maintaining the bank, and customer service, and profit. It is not necessary to build such royal mansions for your offices, it is better to introduce modern technologies.

When registering a banking license, the Central Bank must necessarily report on the risks of loss of liquidity, the threat of conditions under which the bank will not be able to fulfill obligations to its customers, both organizations and citizens.

After all, any bank in any loan agreement requires the same from the borrower. Then why does not the Central Bank require it from the banks it supervises? And if it demands, but the bank does not fulfill these requirements or distorts the reporting, then where is the control over banking activity? And why, in this case, our head of the Central Bank is the best, if he has more than three hundred such “splashes” in the last three years?

License withdrawal from a bank should be applied in the most extreme cases. At the same time, the interests of bank customers cannot suffer due to embarrassment or criminal activity of bankers.

We recently held a presidential election in the country. There was a debate. And a curious figure opened, it was voiced by Y. Boldyrev, a confidant of candidate P. Grudinin. It turns out that the Central Bank spent the bank reorganization, just think about it, 7 trillion rubles. And 700 billion more to be redeveloped at Binbank. And we grieve that less than 300 billion rubles are allocated for the increase in pensions, and working pensioners are squeezed altogether, even though they earned their pension with honest labor. It should be understood that Yu. Boldyrev knows what he says, he led the Accounting Chamber of the country.

But where did this huge money go? Here would Boldyrev ask about it.

Why does a bank, having received money from the treasury or accepting an order for a client's transaction, “spin” this money in the interbank or foreign exchange market, but with a client whose money it “twists” with the earned interest is not divided?

That is why the author is a supporter of the speedy introduction of the blockchain, it's time to put snickering bankers in a stall. But in our country this is far away, as before Jupiter, the draft law on cryptocurrencies introduced into the Duma puts our country in the number of backward jurisdictions from the very start of the digital revolution in favor of domestic bankers.

Bloodsuckers, however ...
Author:
283 comments
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  1. apro
    apro 22 March 2018 06: 13
    +21
    Russia does not expect anything good with such a banking sector. All losses are lost, and bankers profit. And they also allow to steal.
    1. antivirus
      antivirus 22 March 2018 07: 42
      +10
      already in the 70s it sounded-- "no one promised to feed you on the way to Communism."

      and now - no one promised to lead free into a bright democratic future
      1. Tatar 174
        Tatar 174 22 March 2018 09: 57
        +7
        Absolutely not to contact the banks, no way, but they connect us! At the beginning of 2000, he took a loan from Sberbank for urgent needs, there was such a need, he donated one and a half times more, more with a foot or less, except to pay an ATM and a communal apartment, etc.
      2. Varyag_0711
        Varyag_0711 22 March 2018 09: 58
        +34
        Damn, that is not an article about the economy and life after the elections, that is bullshit. Well, why does each author thinks of himself as an expert in all areas? For example, I, as the head of the financial department of an enterprise, have a direct relationship with finance, but I don’t want to discuss macroeconomics in Russia, because the devil will break his leg there. In order to write such articles, you need to work at least one year in the Ministry of Finance and in a non-ordinary position. And then everyone climbs to argue whether there is enough money in the economy or not enough. To give more money, this means to disperse inflation. If we draw an analogy with blood, then the author would need to know that there is too much blood in the body, this is not good, just as if it was too little. Here the balance is needed.
        So before squeezing such articles, it would not be bad to learn to understand the issue yourself.
        1. zyzx
          zyzx 22 March 2018 10: 38
          +19
          Quote: Varyag_0711
          For example, I, as the head of the financial service of an enterprise, are directly related to finance

          Yes, we have everything that leads to economic growth causes inflation. Therefore, the economy is stifled. And trillions poured into reorganization do not disperse you there?
          1. r4space
            r4space 22 March 2018 18: 14
            +12
            Bullshit inflation generates credit interest, increasing the initial cost of goods and services. Our inflation is not due to the fact that there is a lot of money in the economy and nobody needs it, but because any “product” in its cost price contains this credit rate. For its overlap, the selling price of products is overstated.

            In other words, the Central Bank violates the constitution of our country without taking measures to combat the main source of inflation.

            The way out of the situation can be outlined in 3 steps.
            1. Nationalization of the Central Bank or the abandonment of the ruble as a national currency with the creation of the State Banking Structure
            2. The use of the State Bank near-zero credit rate tied to the budget
            3. A ban on lending by private banks or limiting them at the interest rate.

            PS, To fight inflation, Our Western enemies use a negative interest rate
        2. Stanislas
          Stanislas 22 March 2018 11: 17
          +13
          Quote: Varyag_0711
          Well, why does each author thinks of himself as an expert in all areas?
          ponder the question of our common future. More precisely, about the choice of direction. What will it be: further degradation or real development?
          I didn’t read further this phrase, pure manipulation: do as I think is right, or further degradation awaits you. The question of choice is immediately replaced by a situation of lack of choice, if you do not assume the choice of a conscious destroyer of Russia, whereby there is a "common future". Better to see the comments.
          1. Varyag_0711
            Varyag_0711 22 March 2018 11: 29
            +14
            Stanislas hi , I agree! I, too, did not read this nonsense to the end. Everyone imagines himself a strategist, seeing the battle from the side. This is what we call it.
            1. Tula gingerbread
              Tula gingerbread 22 March 2018 16: 07
              +26
              Do not read correctly. Specialists came running, but the author is right.
              The availability of finance, in developed economies, is 100 percent or more, if I am not mistaken. Glazyev called us the figure of 40%.
              Well, tell me how it is, if you have only 40% of the blood in the body, what will happen to you? If you do not bend, you fall into a coma.
              Here is the Russian economy, and now it’s in a coma.
              All this nonsense with "inflation targeting" from illiteracy and idleness of financial authorities.
              To reduce inflation, they chose the simplest way, in which you do not need to either mind or strain. They simply took money from the economy.
              There is no money, there is no inflation. And here he is the most "effective" head of the national bank. Urya-urya.
              But the interests of natural monopolies touch, here no, no. Tabu.
              Instruments for containing inflation are well known and there is no need to invent anything.
              But here you need to work. How do you understand that the Bank of Russia, led by Nabiulina, grants loans to commercial banks, without specifying for what purposes and without binding under any conditions?
              Is it because this is OUR money that immediately went to the currency exchange for the purchase of foreign currency, and the ruble immediately collapsed.
              Who will tell me that before the ruble collapsed, if I am not mistaken in the gold and foreign currency reserves there were about 500 billion dollars, after it collapsed, 400 billion remained, who grabbed the money, into whose pockets they went?
              They say there is no money in Russia, these are tales, for grandmothers in the market, there are simply a lot of crooks and thieves, and not enough money. There is no order in the country, but the general incompetence, irresponsibility and permissiveness of power.
              We have a salary of a State Duma deputy higher than that of a Bundestag deputy, is it with such joy?
              Do we have the same standard of living as in Germany? The impudence of power is simply unlimited.
              It’s a bit messy, but it’s just boring, the country is full of non-payments, the real production is suffocating from lack of money, and some here tell us, don’t meddle, you don’t understand. Where are we with 30 years of experience in real production.
              First of all, you need to start by putting things in order in the state financial discipline, and then money from the state budget, it’s good if they start to arrive in the second half of the year, because roads are repaired in September-October or in general budget money reaches the addressee only in December, and the account balances At the end of the year, government departments are often simply gigantic, although they had long had to leave for their intended purpose.
              And thieves need to be ruthlessly crushed. I misunderstood or did Vasilyeva really return everything that had been confiscated earlier?
              Will we continue like this? It’s a shame for the state, and I want my children and grandchildren to live in a normal country, because they are not going to leave.
              1. your1970
                your1970 22 March 2018 17: 54
                +2
                Quote: Tula gingerbread
                But the interests of natural monopolies touch, here no, no. Tabu.
                -62% of the last year’s budget was received from the Federal Customs Service (mainly export duties (about 60% are just natural monopolies that you don’t like), excise tax, VAT) ..
                The tax gives 20% ...Do not pay taxes - in the bulk of legal entities and individual entrepreneurs
                1. Tula gingerbread
                  Tula gingerbread 23 March 2018 16: 52
                  +5
                  Ah ah, what a joy. Tell my mother-in-law, whose pension is 11 thousand. And I know that the joint Russian-Vietnamese enterprise Sovvietpetro deducts taxes and fees to the Russian budget, more than ALL oil-producing enterprises of Russia.
                  And you continue to admire everything that you like so much.
            2. Huumi
              Huumi 22 March 2018 21: 38
              +10
              We have interest on loans more than in Papua New Guinea, we don’t have banks, there are moneylenders. A familiar German who has lived all his life in Germany could not understand why Sberbank gives out loans from Germany at 6-7 percent-Russian Bank and how he asked you at home under 17 and above? and no matter how much my brother tried to explain to him, he couldn’t master with his mind why the bank was robbing his people like that ... (they explained all this to him of course in German and sensibly by the way) So the article isn’t nonsense realities ...
        3. AA17
          AA17 22 March 2018 11: 21
          +17
          Dear Varyag_0711. "... that it’s not an article about the economy and life after the elections, that’s bullshit ..." It’s hard to disagree with your words. But not because there are wrong thoughts in the article, but because the Power simply does not need advice from the people. I do not want to offend the author. All his "why?" late epiphany. Such articles were needed before the election. And so that a large mass of people could read such articles. And now it's late, the train left. Vladimir Putin in the elections received great support from the people. However, he promised nothing to anyone. And that means people are happy with everything. We are moving the same course towards a bright liberal future. Perhaps the diesel locomotive, taking to the future, will be slightly tinted in a different color, some members of the diesel brigade will change. I see no reason why Vladimir Putin decided to change the policy of the Central Bank.
          P.S. Now, just been in the mail. By chance, I heard a conversation about salary. I tried to joke: "But we together supported V.V. Putin." The answer was angry and aggressive: "And who could one vote for there?"
          1. Stanislas
            Stanislas 22 March 2018 11: 35
            +3
            Quote: AA17
            The answer was angry and aggressive: "And who could one vote for there?"
            And why these "evil and aggressive" will not create their party, they will not nominate their candidate? Modern information technology allows us to bring this process out of total control by money bags. No?
            1. Mordvin 3
              Mordvin 3 22 March 2018 12: 13
              +11
              Quote: Stanislav
              And why these "evil and aggressive" will not create their party, they will not nominate their candidate?

              So you will later say, and what kind of pepper, nobody knows.
              Quote: Stanislav
              Modern information technology allows us to bring this process out of total control by money bags. No?

              No, they don’t allow it. Nobody will vote for the poor, but the rich always get compr. Well, let's put forward our Vadim. Successful man, millions tossing.
              1. Stanislas
                Stanislas 22 March 2018 12: 52
                +1
                Quote: Mordvin 3
                So you will later say, and what kind of pepper, nobody knows.
                I will not say. Here at VO, I’m already used to reading the article first, and by the end of it, when an assessment of the content is already being formed, find out who the author of this article is. smile
                Quote: Mordvin 3
                No one will vote for the poor
                Where did this idea come from? In the Communist Party of the Russian Federation, this thesis was Trojan, apparently, someone dragged so that Grudinin entered the Kremlin on it.
                1. Mordvin 3
                  Mordvin 3 22 March 2018 12: 59
                  0
                  You will find the author yourself. Here he is. Commenting. And put forward claims to it. I will not prompt. wink
                  1. Mordvin 3
                    Mordvin 3 22 March 2018 13: 15
                    +5
                    Even the deputy chair is not worth a million bucks, but here the presidential election. Anyone trample.
                    1. Tula gingerbread
                      Tula gingerbread 22 March 2018 16: 11
                      +5
                      Trample. But in general it’s right. They do not take power in order to give, and it is still unknown to anyone. Maybe that's why the system was built so that people would ask evil, but for whom would they vote?
                      It is necessary to return the string "against all."
                      1. your1970
                        your1970 22 March 2018 17: 57
                        0
                        Quote: Tula gingerbread
                        It is necessary to return the string "against all."
                        -voted all "against all" and ??? who will work?
              2. Golovan Jack
                Golovan Jack 22 March 2018 13: 00
                +5
                Quote: Mordvin 3
                let's put forward our Vadim. Successful man tossing millions

                If you are about 237, then I am categorically against it. His trump will teach bad laughing
                1. Mordvin 3
                  Mordvin 3 22 March 2018 13: 01
                  +1
                  Yeah, about him. laughing
            2. Grandfather Eugene
              Grandfather Eugene 22 March 2018 14: 37
              +7
              Quote: Stanislav
              why these "evil and aggressive" will not create their party, their candidate will not be nominated?


              They said it was as if at work, instead of the next task segment, they created a party, a candidate, they gave money for delivery from two pies, which in your opinion should be enough for a long time and sent to conquer the peaks of the Kremlin Olympus. Well, if you don’t need to feed your family so much during the holy goal and time of all years, so at least 12, is there independent funding, maybe then it’s easier to use such “dissatisfied” your abilities? You are not an unfounded person? If you offer something to people, it means you know the solution to the issue, you know how to do it better and don’t like to sound empty.
            3. riding
              riding 23 March 2018 08: 54
              0
              "Aggressive" was told by television and progressive journalists of the era for whom you can vote. Therefore, they all already know, and whoever is against it, they are ready to gobble up or kill at a distance with their comments.
        4. SCHWERIN
          SCHWERIN 22 March 2018 12: 11
          +8
          Dear, if the light flashes in the apartment and the voltage drops. Are you applying to the network must prove to everyone that you know electrical engineering? It’s ridiculous.
          Everyone knows what banks (probably not all) do with loans (such as life insurance).
        5. uskrabut
          uskrabut 22 March 2018 16: 52
          +6
          Quote: Varyag_0711
          but I’m not keen on discussing macroeconomic issues in Russia, because the devil will break his leg there

          It's a delusion. It’s easy to understand all monetary issues using your own wallet as an example; there is nothing supernatural in finances - these are just funds. And if you are trying to powder your brain with some kind of turbidity, then obviously they are trying to deceive you. It’s just that Russia does not have a clear economic policy, the top is quite satisfied with the enormous revenues from gas and oil pipes that go abroad. Everything that revolves within the country is not interesting to them.
        6. Berber
          Berber 22 March 2018 17: 01
          +4
          This is by the way to the question - why is the banking sector reorganized? Money poured into the economy is withdrawn through the very unreliable banks. Therefore, it makes no sense to pour "blood" into a system that is full of holes. Yes. the banking sector needs to be put in order. Especially in banks with state. participation. Because there, corruption also flourishes. For example, having good friends you can get a big loan without having any collateral assets, and then go bankrupt.
        7. rennim166
          rennim166 22 March 2018 17: 37
          +3
          Giving more money means accelerating inflation


          Are you definitely an economist? You are well versed in monetary targeting in the context of the economic crisis. Super. Well, straight is purely Nabibulinsky recipe. Have you read other authors about this?
        8. freddyk
          freddyk 22 March 2018 17: 44
          +9
          Quote: Varyag_0711
          For example, I, as the head of the financial service of an enterprise, are directly related to finance


          This explains a lot. Heads of financial services certainly do not need change. And you are rubbing us about Putin’s greatness here. So they would immediately say.
        9. Alber
          Alber 22 March 2018 18: 04
          +3
          Quote: Varyag_0711
          as the head of the financial department of an enterprise, I have a direct relationship with finance,

          Yeah! Moneylender however. Rothschild compatriot
        10. The comment was deleted.
        11. businessv
          businessv 22 March 2018 19: 33
          +6
          Quote: Varyag_0711
          So before squeezing such articles, it would not be bad to learn to understand the issue yourself.

          I usually like your comments, but I don’t agree with this because I’m sure you yourself didn’t often meet playing trainers, so I think the author can freely express her thoughts about the work of one of the state institutions without the help of deep economic knowledge. I also have a German economics course, so I’m not completely illiterate. So, the main idea of ​​the author is absolutely not contrary to the laws of macroeconomics. You probably know Professor V. Katasonov, this is his opinion: "... the overwhelming majority of all international payments, both in the sphere of foreign trade and in the sphere of operations in financial markets, are carried out with the help of dollars. And the Fed’s“ printing press "producing these dollars, located in the USA. " So that’s why it’s not worth investing your money in someone else’s economy, our author said this. You can read exhaustively about the Central Bank here: https://regnum.ru/news/2342172.html and again echoes our article in terms of regulation and supervision, as well as the experience of Chinese colleagues, which is considered more simple and effective, which is proved by practice. Here is another quote that resonates with our article: “But I personally do not know of a single large country, where, like Russia, the central bank was simultaneously involved in issuing loans to commercial banks, participated in the capital of commercial banks and at the same time exercised exclusive banking supervision functions . " By the way, if I’m not mistaken, then proposals were twice made to amend the Constitution in terms of articles on the Central Bank, but no changes occurred.
        12. Svarog
          Svarog 22 March 2018 21: 23
          +5
          Quote: Varyag_0711
          Damn, that is not an article about the economy and life after the elections, that is bullshit. Well, why does each author thinks of himself as an expert in all areas? For example, I, as the head of the financial department of an enterprise, have a direct relationship with finance, but I don’t want to discuss macroeconomics in Russia, because the devil will break his leg there. In order to write such articles, you need to work at least one year in the Ministry of Finance and in a non-ordinary position. And then everyone climbs to argue whether there is enough money in the economy or not enough. To give more money, this means to disperse inflation. If we draw an analogy with blood, then the author would need to know that there is too much blood in the body, this is not good, just as if it was too little. Here the balance is needed.
          So before squeezing such articles, it would not be bad to learn to understand the issue yourself.

          Yes, you don’t need to learn anything, it’s enough to be able to see the result .. do you see the result of the banks? Here is the author of the article gave an assessment, and well-reasoned .. and very accurate ..
        13. horhe48
          horhe48 23 March 2018 10: 07
          +5
          Reducing debit to credit and withdrawing balances does not mean understanding the economic essence. And the article, in general, is correct. We will never have normal money circulation until our Central Bank is a branch (in a certain sense) of the US Federal Reserve. For we cannot have more rubles than the currency we buy for rubles. (For our commodity exports are paid mainly in dollars). And our ruble therefore is a kind of equivalent that shows how many goods and services in dollar terms you can buy for the amount of rubles you have. As long as our national currency is, though indirectly, a dollar that imitated by the US Federal Reserve in the volumes and with the rates that they themselves set, there will be no desirable growth in the Russian economy. How can you win anything from cheaters playing with speckled cards, and even according to the rules that they themselves set?
      3. Victor N
        Victor N 22 March 2018 11: 46
        +4
        Prudent borrowers - a dime a dozen! Not only do they themselves suffer - let your loved ones down. There is no insurance against stupidity: it’s your fault - answer!
        Inadvertently get into debt, and then squeal that they are offended: help! Which of us wants to help, even from the money that is on deposit at the bank ?! More bad loans - less deposit rates.
        From childhood, you need to firmly grasp: in economic nature there are no good wolves, no unhappy goats! I went out into the field - look around well so as not to get into fornication!
        And the Central Bank is not intended to sell pills for stupidity.
        1. Mordvin 3
          Mordvin 3 22 March 2018 13: 33
          +12
          Quote: Victor N
          And the Central Bank is not intended to sell pills for stupidity

          But is he obliged to do inflation in jumps, after which people cannot pay?
        2. Sergej1972
          Sergej1972 22 March 2018 15: 23
          +2
          The VTB-24 loan helped me a lot when solving the housing problem. I understand that I overpay, but there were no other ways to find money. In principle, everything suited me, the monthly payments are not very large, I have already repaid part of the loan ahead of schedule. In addition, half of the amount for the purchase of housing was initially accumulated by relatives themselves.
        3. Tula gingerbread
          Tula gingerbread 22 March 2018 16: 13
          +4
          The central bank (state) must establish fair rules.
          1. Anti-Corr.
            Anti-Corr. 22 March 2018 16: 23
            +5
            Quote: Tula gingerbread
            The central bank (state) must establish fair rules.

            there were rules in the elections, even the law, so what?
            1. uskrabut
              uskrabut 22 March 2018 16: 54
              +2
              Quote: Anti-Corr.
              what?

              That worked! Everything worked out as planned.
              1. Anti-Corr.
                Anti-Corr. 22 March 2018 16: 56
                +10
                Quote: uskrabut
                That worked! Everything worked out as planned.

                I do not envy you, with a parasite wink
                on Thursday it became known that the government is considering increasing the income tax from 13% to 15%.
                1. your1970
                  your1970 22 March 2018 18: 29
                  +1
                  Quote: Anti-Corr.
                  the government is considering raising income tax from 13% to 15%.
                  -"with the establishment of a tax-free limit " so more precisely .. and the meaning is already a little different ....
                  1. Anti-Corr.
                    Anti-Corr. 22 March 2018 18: 37
                    +3
                    Quote: your1970
                    "with the establishment of a tax-free limit" so more precisely .. and the meaning is already a little different ....

                    Even if the second part of the statement exists, then there is every reason to doubt it.
                2. The comment was deleted.
          2. businessv
            businessv 22 March 2018 19: 39
            +3
            Quote: Tula gingerbread
            The central bank (state) must establish fair rules.

            This is just one of the "stumbling blocks" in relations between the Central Bank and the state! The Central Bank belongs to the state, but no one has the right to interfere in its (Central Bank) work by any means other than the IMF, and the Russian government cannot take a loan from the Central Bank for its own needs! And you say fair rules. smile
        4. Huumi
          Huumi 22 March 2018 21: 40
          +4
          Compare the interest rates on loans in our country and in Europe (any country) - we do not have banks - we have money lenders ...
    2. Svarog
      Svarog 22 March 2018 21: 18
      +5
      Quote: apro
      Russia does not expect anything good with such a banking sector. All losses are lost, and bankers profit. And they also allow to steal.

      Banks are just one of the many problems ... But judging by the elections, our people really like everything ..
    3. Alber
      Alber 24 March 2018 07: 04
      +2
      Quote: apro
      Russia does not expect anything good with such a banking sector. All losses are lost, and bankers profit. And they also allow to steal.

      I will add: until Putin completely disperses the government, the State Duma, and his entourage in order to rely on the people, do not expect any Bright Future
  2. Ruslan Gainutdinov
    Ruslan Gainutdinov 22 March 2018 06: 20
    +19
    Russia will flourish only under the dictatorship of the proletariat ... we hope that soon)
    1. ul_vitalii
      ul_vitalii 22 March 2018 06: 31
      +10
      Quote: Ruslan Gainutdinov
      Russia will flourish only under the dictatorship of the proletariat ... we hope that soon)

      But where did the working peasantry divide? They have not suffered from illiteracy for a long time.
      1. basmach
        basmach 22 March 2018 08: 36
        +4
        So this is the rural proletariat
      2. The comment was deleted.
      3. uskrabut
        uskrabut 22 March 2018 16: 55
        +3
        Quote: ul_vitalii
        But where did the working peasantry divide?

        In Russian villages only pensioners remained to survive. And this is in the black earth!
    2. Ascetic
      Ascetic 22 March 2018 08: 18
      +14
      Quote: Ruslan Gainutdinov
      Russia will flourish only under the dictatorship of the proletariat ... we hope that soon)

      The proletariat as a class has not existed in its classical form for a long time, there is a social layer of hired workers or a precariate, i.e. who do not have normal work, who work in precarious, or, as it is still mildly called, precarious employment
      Precarial labor is spreading ever wider in Russia. This is unstable work, unwarranted and low pay, unregulated working hours. No training, no social package, no labor protection. And one more important point - no way to defend your position and rights.

      The proletarians in classical Marxism included those who did not have ownership of the means of production, and in the pre-Marxist era they were simply poor, suitable for any use.

      The modern working class of Russia is extremely diverse, many of its strata are completely devoid of class consciousness, the same precarii nevertheless, in recent years there has been a certain (albeit not very large) rise in the labor movement, which cannot but inspire hope for its gradual growth and development into powerful movement of the second socialist revolution. This is possible only with an increase in the share of industrial and production capital in Russia and, accordingly, the share of the modern working class.
      1. karish
        karish 22 March 2018 08: 28
        +5
        Quote: Ascetic
        The modern working class of Russia is extremely diverse, many of its strata are completely devoid of class consciousness, the same precarii nevertheless, in recent years there has been a certain (albeit not very large) rise in the labor movement, which cannot but inspire hope for its gradual growth and growing into a powerful movement of the second socialist revolutionи

        good morning . Stanislav.
        But without a revolution in any way?
        If you recall the classics and the definition of a revolutionary situation
        - The tops cannot rule in a new way - the lower classes do not want to live in the old way.
        With the support of the lower ranks --- 77% and the upper wings inspired by this trust --- the question --- and with hrenase something to change, if so everyone is happy laughing
        1. Romulus
          Romulus 22 March 2018 08: 33
          +2
          Quote: karish
          - The tops cannot rule in a new way - the lower classes do not want to live in the old way.

          No, Sasha - Russia having changed the formation, I won’t trynd about this, do you understand (atalef?) You need a transition period .. why do I drown for GDP (although I disagree with something) It is needed not in this period and I believe in dialectical change, for Mother Russia is ETERNAL!
          1. karish
            karish 22 March 2018 09: 49
            +5
            Quote: Romulus
            Quote: karish
            - The tops cannot rule in a new way - the lower classes do not want to live in the old way.

            No, Sasha - Russia having changed the formation, I won’t trynd about this, do you understand (atalef?) You need a transition period .. why do I drown for GDP (although I disagree with something) It is needed not in this period and I believe in dialectical change, for Mother Russia is ETERNAL!

            Stanislav - God forbid we live in an era of change.
            Russia (; unfortunately) passes them with a view of constancy every 50-60 years.
            In general, I’m sure that to avoid all these shocks is possible in only one way.
            Democracy - a strong opposition, a change of power - this of course does not replace hanging people on their ears - but all this is much less than when - one opinion, one president, no opposition, etc.
            It may be over that Russia has its own path (as some are trying to convince) - but somehow it is already very thorny and without any guarantee of success.
            I always have before my eyes my aunt - I am convinced the communist - and her words - it’s hard for us, but it will be easier for you to live (by the way, her father told her) - the same communist since some pre-revolutionary year.
            so - I’m already 50 - and in Russia it’s all about the same thing - it’s hard for us - but the next generation .......
            Maybe enough experimenting?
            In the West, everything is not so bad - there is something to learn and to adopt some experience.
            Regards - Atalef
            1. Romulus
              Romulus 22 March 2018 10: 01
              +2
              Quote: karish
              Regards - Atalef

              Sanya fellow hi You also understood who I am (romulus)))
              Count it, I don’t even have to zombie) If you are atalef, I’m really glad fellow The brains on the site are needed, not that true, but cheers and as a new trend - daggers, slide ..
              One hundred thousand pluses pluses to you) God-chosen from the God-saved ..
              1. karish
                karish 22 March 2018 12: 19
                0
                Quote: Romulus
                Sanya, you also understood who I am (romulus)))
                Count it, I don’t even have to zombie) If you are atalef, I’m really glad

                wink
                Hey . Egor !!! fellow
                I'm glad to see you.
                atalef is dead - but his work lives on laughing hi
            2. andj61
              andj61 22 March 2018 12: 58
              +1
              Quote: karish
              so - I’m already 50 - and in Russia it’s all about the same speech - it’s hard for us - but the next generation

              Alexander, with all this, every generation - with the exception of the 90s - lives better than the previous one. If we compare our current hard life with the peak of stagnation in the late 70s - early 80s, it will immediately become clear - we are now living much better and richer.
              Quote: karish
              Maybe enough experimenting?
              In the West, everything is not so bad - there is something to learn and to adopt some experience.

              So we learn and learn. If we compare our life now with what it was 15 and even 10 years ago - it is heaven and earth. Both democratization and election irregularities, and even everyday corruption, are obvious improvements. It’s only in the west that Russia is not perceived as an equal partner now, and, perhaps, with the exception of individuals (Schroeder, Berlusconi, Israeli premieres - this is generally a separate conversation - and that's all) they have never perceived. So they push Russia onto their own separate, special path - and eventually they push over.
              1. awl
                awl 22 March 2018 13: 13
                +5
                My great-grandfather didn’t have a car, but I have laughingDoes this mean that I live better? lol
                1. Russia
                  Russia 22 March 2018 16: 47
                  +5
                  Quote: awl
                  My great-grandfather didn’t have a car, but I have laughingDoes this mean that I live better? lol

                  Everything is relative to a colleague, he had a horse at that time, but you don’t have it and instead of gasoline, she was picking grass on the lawn, and your car cannot do that. smile
              2. karish
                karish 22 March 2018 13: 14
                +1
                Quote: andj61
                Alexander, with all this, every generation - with the exception of the 90s - lives better than the previous one

                I agree, the question is about the pace.
                Quote: andj61
                If we compare our current hard life with the peak of stagnation in the late 70s - early 80s, it will immediately become clear - we are now living much better and richer.

                Well, in general, as in the whole world.
                40 years have passed.
                Quote: andj61
                It’s only in the west that Russia is not perceived as an equal partner now

                To be perceived equal - you must be equal.
                In the economy, in relation to human values, legal relations, etc. etc.
                Vlpros - do you want to be equal with them?
                Quote: andj61
                and, perhaps, with the exception of individuals (Schroeder

                Well, with Schroeder’s salary and his position in the system affiliated with Gazprom - yes, of course. I would feel the same way.
                Quote: andj61
                even Israeli premieres - this is generally a separate conversation - and that’s it)

                We should not be set as an example, we are not a superpower and not a world -
                We are dependent and in our region in order to survive we must find a common language with the superpowers.
                Quote: andj61
                So they push Russia onto their own separate, special path - and eventually they push over.

                Come on, stop - Russia itself is able to choose its own path.
                Own actions and be responsible for the consequences.
                1. andj61
                  andj61 22 March 2018 13: 31
                  +1
                  Quote: karish
                  To be perceived equal - you must be equal.
                  In the economy, in relation to human values, legal relations, etc. etc.
                  Vlpros - do you want to be equal with them?

                  And they always wanted, and tried. In the 90s and even started zero they handed over everything that is possible. The result is unsightly. The human values ​​of today's west do not appeal to us. If the same thing, but in the realities of 30 years ago, this would suit us. And then everything is developing and developing! What will happen in 10 years? Admissibility of cannibalism and pedophilia? The most advanced ones now require the legalization of any perversions and moral deformities. But why do we need this?
                  Quote: karish
                  Quote: andj61
                  So they push Russia onto their own separate, special path - and eventually they push over.
                  Come on, stop - Russia itself is able to choose its own path.
                  Own actions and be responsible for the consequences.

                  They didn’t want to see Russia among their own people — they received it among opponents. We ourselves have chosen the path, we will be responsible for the consequences. Not only us, but also those who pushed us there so persistently. And who felt good?
                  The most interesting thing is that China is not subjected to demonization, although it also does not like its behavior and it often spits on Russia. The attitude is purely racist - what, they say, ask narrow-eyed ones - they are different! hi
                  1. karish
                    karish 22 March 2018 13: 56
                    0
                    Quote: andj61
                    The result is unsightly. The human values ​​of today's west do not attract us

                    In vain - you just do not want to see anything else besides treating people of a non-traditional orientation.
                    Quote: andj61
                    What will happen in 10 years?

                    I hope we will live even better than today
                    Quote: andj61
                    Admissibility of cannibalism and pedophilia?

                    Yes, okay Andrey.
                    excesses with self-determination and self-awareness of such persons exist, but this is not something that determines the modern face and level of development of Western society.
                    You simply do not know the situation on the ground, but according to the Russian media you are not shown this.
                    Let's talk about workers' rights, healthcare, the judiciary, social programs - or is it all overshadowed by a couple of game parades in a year?
                    Quote: andj61
                    The most advanced ones now require the legalization of any perversions and moral deformities. But why do we need this?

                    how beautifully you can distract the population from the main thing and take it to boltology.
                    type in google --- how to cook people ...
                    and you will be given hundreds of recommendations (in RuNet) - about the liver, brains and other parts of the human body.
                    And after all, someone recommends this - tomorrow I will write the same article on cannibalism in Russia - and so what?
                    It is necessary to separate the grain from the chaff and look at the main thing - and not the secondary one.
                    Quote: andj61
                    They didn’t want to see Russia among their own people — they received it among opponents.

                    Well, the question is who did not want to.
                    I think the advancement of Russia towards values ​​(just don’t lead to the side of homosexuals) - Western civilization is not necessary above all to the top of Russia.
                    This is then also necessary to do an independent court, the rights of workers, political freedom, a multi-party system, a change of power, the election of governors, prosecutors, etc. etc.
                    And who needs this in Russia?

                    Quote: andj61
                    Not only us, but also thoseit was pushing us there so persistently

                    come on.

                    Quote: andj61
                    The most interesting thing is that China is not subjected to demonization, although it also does not like its behavior and it often spits Russia.

                    China bargains and maintains good relations with everyone.
                    It will not announce the Chinese world (although there will be more Chinese than the Chinese around the world), and does not attach pieces from other states.
                    And what he does with his citizens is his own business.
                    Russia seems to have come under sanctions not because of the absence of a worthy adversary to Putin, but because of a completely different one.
                    Quote: andj61
                    The attitude is purely racist - what, they say, ask narrow-eyed ones - they are different!

                    No, the Chinese are just smart -
                    A parable is popular in China: while two tigers fight in the valley (Russia and the USA), a smart monkey (China) sits on a tree and simply waits for both tigers to weaken each other, after which the monkey will become a winner.
                    1. andj61
                      andj61 22 March 2018 14: 33
                      +1
                      Quote: karish
                      I think the advancement of Russia towards values ​​(just don’t lead to the side of homosexuals) - Western civilization is not necessary above all to the top of Russia.
                      This is then also necessary to do an independent court, the rights of workers, political freedom, a multi-party system, a change of power, the election of governors, prosecutors, etc. etc.
                      And who needs this in Russia?

                      Yes, the court is already too independent. They imposed sanctions, trampled on Western products through Belarus. I note that import to Russia is a ban. For two years, courts in many regions have made decisions to justify those who imported sanctioned products. Is this, in your opinion, a dependence on power? Now, when appealing in a court, at least in arbitration, even in a district of any law enforcement act of a state authority, the courts, for the most part, seek to find a way to help evade responsibility (except for the traffic police - there is a huge judicial practice and clarifications of the Supreme Court). By the nature of my activity, I often encounter this - to prove my innocence, the government body needs not just expertise, but several authoritative conclusions, not just a decision, but a decision backed up by independent authoritative opinions, etc.
                      We already had the election of governors. And they were so crowded that they had to be canceled and different filters arranged. Time will pass - they will be completely elected, and not partially, as now. I don’t see the point of choosing prosecutors - now they only have left over the observance of the rule of law, they are not those prosecutors that were about 15 years ago. And the authorities often change - however, here more often from above. We have something to work on here.
                      Our parties do not enjoy popularity from the word absolutely. But a real multi-party system exists - it is enough to gather 500 people from half of the regions, create an organizing committee of 10 people, notify the relevant body in writing, hold a congress and register with the Ministry of Justice. And we created parties according to this scheme - do not worry about mom! Putin has specifically distanced himself from United Russia now - the people are sitting in the liver in the liver. But for some reason, they trust other parties even less. And really strong parties on the team are not created - whether it is a team from above, or even a team from abroad.
                      Quote: karish
                      China bargains and maintains good relations with everyone.
                      It will not announce the Chinese world (although there will be more Chinese than the Chinese around the world), and does not attach pieces from other states.

                      Trading - yes. When Russia waged a war in the Caucasus, it, unlike China at the same time, was spread rot for it on all international platforms - didn’t you forget that? Although then Russia was good, and China is bad. Now the situation is different. Crimea is only one fact, but it was AFTER Kosovo. And how many fabricated, fake accusations fell on Rorsia after that? Transfer wink or can you do it yourself? bully
                      Quote: karish
                      No, the Chinese are just smart -

                      I agree with that. And they know how to look forward to decades. hi
                      1. karish
                        karish 22 March 2018 18: 08
                        0
                        Quote: andj61
                        Yes, the court is already too independent. They imposed sanctions, trampled on Western products through Belarus. I note that import to Russia is a ban.

                        Andrei, you are specifically mistaken in this. Western sanctions apply only to the banking sector and oil and gas production technologies.
                        everything else (which rushing through Belarus) is the anti-sanctions that Russia has introduced - so the claims are not addressed
                        Quote: andj61
                        For two years, courts in many regions have made decisions to justify those who imported sanctioned products. Is this, in your opinion, a dependence on power?

                        I do not quite understand what I mean.
                        Quote: andj61
                        to prove their innocence, the state authority needs not just an examination, but several authoritative conclusions, not just a decision, but a decision backed up by independent authoritative opinions, etc.

                        Strange, the presidential decree is what?
                        Anti-sanctions introduced by presidential decree.
                        Quote: andj61
                        We already had the election of governors. And they were so crowded that I had to cancel them and arrange different filters

                        So what ? In the west, governors and prosecutors (in the states also sheriffs) - an elected position.
                        I think it’s right when they are responsible to the voters. and not in front of an unknown president sitting.

                        Quote: andj61
                        Our parties do not enjoy popularity from the word absolutely.

                        This is a problem of the West 7
                        When controlling the media (in Russia) - nothing surprising. Controlled media discredit anyone, and even in prime time - with the example of Grudinin, this was clearly seen.
                        Quote: andj61
                        And we created parties according to this scheme - do not worry about mom!

                        Is the West to blame for this?
                        Quote: andj61
                        And really strong parties are not created on a team - whether it be a team from above, or even a team from abroad.

                        That’s for sure, and when the entire political field has been cleared, where do they come from?
                        Quote: andj61
                        Trading - yes. When Russia waged a war in the Caucasus, it, unlike China at the same time, was spread rot for it on all international platforms - didn’t you forget that?

                        I do not agree.
                        There were mass media that spread rot, which were not. There were a lot of opinions.
                        that’s the difference. They just showed you one thing.
                        Quote: andj61
                        Although then Russia was good, and China is bad

                        you deal with yourself - and then contradict.
                        I say again - in the west there are a lot of mass media and many different POINTS OF VISION and a person to understand is trying to figure it out and examine it from different points of view.
                        Does this exist in the Russian media?
                        I'm sorry. but Solovyov and similar programs do not cause me anything except gagging.
                        100% commitment.
                        Quote: andj61
                        Now the situation is different. Crimea is only one fact, but it was AFTER Kosovo

                        I do not quite understand what Kosovo has to do with it.
                        There was a war with thousands of those killed and an ethnic section.
                        But even if you say, we are like in Kosovo. then why curse the west? You are the same.
                        Quote: andj61
                        . And how many fabricated, fake accusations fell on Russia after that?

                        Well, at the expense of fakes, I think it's worth keeping silent - one crucified boy is worth something. And the Boeing downed SU.
              3. Anti-Corr.
                Anti-Corr. 22 March 2018 16: 01
                +3
                Quote: andj61
                If we compare our current hard life with the peak of stagnation in the late 70s - early 80s, it will immediately become clear - we are now living much better and richer.

                It is not true! And you know about this, I will not begin to paint for a long time, but the huge gap not only between the oligarchs and the rest, but between the regions is huge! Officer data on 22 million beggars can be safely multiplied by 2, since the officer. statistics, like the authorities as a whole, have no reason.
                And in you for a snack "on Thursday it became known that the government is considering increasing the income tax from 13% to 15%. "
                With VAT it will be the same. hi
              4. avia1991
                avia1991 24 March 2018 03: 26
                +1
                Quote: andj61
                If we compare our current hard life with the peak of stagnation in the late 70s - early 80s, it will immediately become clear - we are now living much better and richer

                Yes ... the trouble is that if you compare with developed countries (precisely in terms of economic development!), Then we can draw an analogy like this: in our country, the improvement is according to the law of arithmetic progression, and for them it is geometric. Do you understand the difference?
            3. ul_vitalii
              ul_vitalii 22 March 2018 19: 17
              +7
              Karish!

              Or maybe enough to agitate us, you made your choice, well, at least you remember your ancestors with a good name hi
            4. businessv
              businessv 22 March 2018 19: 47
              +1
              Quote: karish
              now - I’m already 50 - but in Russia it’s all about the same thing - it’s hard for us - but the next generation ....... Maybe it’s enough to experiment?

              Yes, in Russia somehow everything is very dramatically happening - if you rebuild something, it’s only through devastation, if you love someone, then somehow you love, love! And vice versa! There is no memory, or what? Amer had no better friends in the 90s than us! And now what? Where did it all go? Easy to see! So the problem is that this is not the first time that they have seen! When we remember that we have friends in the world, there are no friends outside of Russia ?!
          2. E_V_N
            E_V_N 22 March 2018 10: 07
            +11
            Quote: Romulus
            Russia, having changed the formation, I won’t try to talk about it, you understand (atalef?) We need a transition period .. why do I drown for GDP (although I disagree with something) It is needed not in this period and I believe in a dialectical change, because Mother Russia is ETERNAL!

            They changed it, but that's what they changed for, they don’t understand, not milestones, not bottoms, not the Great Helmsman (he's a rower in galleys). Yeltsin talked about building a welfare state, GDP for 18 years and did not decide which way to go. Says you need to raise your salary with this and this, and the rest ... do you like it? We have not decided what we are building, capitalism, the welfare state, Chinese communism or Swedish socialism. So we hang out like r ... in the hole without knowing which coast to row. The GDP is not even involved in the debate, because real questions can be asked there, not journalists' blanks, not selected questions on straight lines, and this is not a prepared report on a piece of paper to read as in the last message.
            1. Romulus
              Romulus 22 March 2018 10: 18
              +1
              Quote: E_V_N
              They changed it, but that's what they changed for, they don’t understand, not milestones, not bottoms, not the Great Helmsman (he's a rower in galleys).

              Yes, let him row for another 6 years, but what?
              Quote: E_V_N
              Yeltsin talked about building a welfare state, GDP for 18 years and did not decide which way to go. Says you need to raise your salary with this and this, and the rest ... do you like it?

              Sorry, even .. I will not comment (18 years ,,,, nothing has changed, even more so ..)
              Quote: E_V_N
              We have not decided what we are building, capitalism, the welfare state, Chinese communism or Swedish socialism.

              Calm down, while the stage-oligarchic capitalism ... sadly, but what to do, dialectics))
              Quote: E_V_N
              GDP doesn’t even participate in debates,

              crying (bes) comments)
              And although I like you guy - do not be afraid to ask questions and you will get an answer)
          3. antivirus
            antivirus 22 March 2018 11: 02
            0
            transition period - not a change of formations according to Marx-Lenin, AND FROM VILLAGE ISOLATIONISM TO CITY LIFE.
            CITIZEN- CITIZEN AND RURAL RESIDENT
            OPPOSITION TO THE BROADCAST (ALSO LIVING IN THE CITY) AND PEASANTS (MY HUT FROM THE EDGE)

            this is a modest change in psychology-mentality (from the 18th century to the 21st century) MAY NOT GO 5 AND NOT 30 AND 70 YEARS, AND HOW MUCH IT IS NECESSARY.
            in small print-- what should I get?
            Western Europe in Buryatia? or Australian psychology in Penza?
            GDP together with teachers and janitors - in one line
            1. Romulus
              Romulus 22 March 2018 11: 05
              0
              Quote: antivirus
              GDP together with teachers and janitors - in one line

              I agree with you completely, this is the task of the Leader, that would be with everyone and headed ..
              Quote: antivirus
              GDP together with teachers and janitors - in one line
              1. lance
                lance 22 March 2018 12: 40
                +1
                this is dialectics ?! Well, with teachers is still possible, but with janitors, in 90% of cases with immigrants (lumpen)? interesting, read on
          4. karish
            karish 22 March 2018 12: 27
            +5
            Quote: Romulus
            need a transition period

            Egor, I look like an old Jew
            - in a famous joke
            -Izya came to Israel, lived a week - I don’t like everything, returned to Zhitomir - lived a week - I don’t like everything, and again to Israel, and so he rushes about.
            They ask him, Izzy - your mother, why are you - there you feel bad, there you feel bad - decide already.
            -Izya answers
            It’s shitty, it’s shitty there, for how good it is on the road laughing
            Quote: Romulus
            It is not necessary for this period and I believe in dialectical change

            Dialectics is a good thing - but of course life would like to live it so that later it would not be excruciatingly painful for aimlessly lived years
            Quote: Romulus
            Mother Russia is ETERNAL

            But we are not. request
        2. andj61
          andj61 22 March 2018 12: 43
          +1
          Quote: karish
          Quote: Ascetic
          The modern working class of Russia is extremely diverse, many of its strata are completely devoid of class consciousness, the same precarii nevertheless, in recent years there has been a certain (albeit not very large) rise in the labor movement, which cannot but inspire hope for its gradual growth and growing into a powerful movement of the second socialist revolutionи

          good morning . Stanislav.
          But without a revolution in any way?
          If you recall the classics and the definition of a revolutionary situation
          - The tops cannot rule in a new way - the lower classes do not want to live in the old way.
          With the support of the lower ranks --- 77% and the upper wings inspired by this trust --- the question --- and with hrenase something to change, if so everyone is happy laughing

          .voted something not "for", but against! Against sanctions, against demonization of Russia, wherever possible and for equality in all international affairs, for dignity. And Putin turned out to be the embodiment of this - the collective west has been engaged in the last four years in raising the rating of our president. And he himself did not stay away. As a result of common efforts, his rating has increased to the present from 63%. But the number of people dissatisfied with economic policy is just going wild. There will be no changes - I agree with Stanislav - there can be big problems. And it is not worth the fear of the second socialist revolution — all socialist revolutions did not occur as a result of increased activity of the workers, but of the notorious Russian revolt - meaningless and merciless. hi
          1. karish
            karish 22 March 2018 13: 01
            +3
            Quote: andj61
            voted not against, but against!

            Hi Andrew .
            voted - for.
            Quote: andj61
            Against sanctions, against demonization of Russia, where possible and for equality in all international affairs, for dignity

            Well, in demonizing Russia there is not a small merit of Russia itself, but dignity - I remember Russians abroad in the 2000s (true tourists) - they treated Russians very worthily.
            And at the international level, it was very good.

            Quote: andj61
            And Putin turned out to be the embodiment of this - the collective west has been engaged in the last four years in raising the rating of our president.

            In the conditions of demonization of the West and the internal opposition by all Russian media, this was not difficult.
            Quote: andj61
            As a result of common efforts, his rating has increased to the present from 63%.

            No wonder.
            When the political field is cleared to zero.
            Quote: andj61
            There will be no changes - I agree with Stanislav - there may be big problems

            Where are the changes? inside Russia or in the international arena?
            1. andj61
              andj61 22 March 2018 13: 15
              +2
              Quote: karish
              Where are the changes? inside Russia or in the international arena?

              In the international arena, we bristled in front of the states like a hedgehog. Of course, changes are needed in the economy. As for demonization - I do not agree. Of course, the West did not like the situation with Crimea. But the United States decided the same and even cooler with Kosovo. There are still a bunch of examples - you know them perfectly. We are not ready - not only Putin - to unconditionally recognize mattresses as hegemons - and thereby to blame. We will survive this trouble! bully
              What about the suppression of internal opposition forces - what is this about? About those who went to the Swamp? And now you talk to them - you will be surprised! Now even more than 77% actually support Putin - a significant number voted for other, obviously failed candidates just to indicate some kind of disagreement - they really understood that the country needed Putin, that it was now extremely important to unite. And now they are not even fighting the opposition - there’s no reason to. There is consensus in the country - with such pressure from the West it is he who is needed - with this, according to perhaps 98%.
              But inside the country there are problems, we need a new economic course. To do this, Putin needs to abandon a number of friends - surnames are known to everyone. This is exactly what the country is waiting for. bully hi
              1. karish
                karish 22 March 2018 18: 20
                +2
                Quote: andj61
                . As for demonization - I do not agree. Of course, the West did not like the situation with Crimea

                and rightly so. And who would like it?
                Quote: andj61
                But the United States decided exactly the same and even cooler with Kosovo

                Well, firstly - no, and not like that. The situations were different - there was an open war with thousands of victims and ethnic cleansing.
                And of course, Yugoslavia (unlike Ukraine and Russia) has never been a fraternal and kindred people of America.
                And why did you rest so much in Kosovo and Yugoslavia?
                All the countries of the crumbling Yugoslavia, in orderly rows, rushed to the EU and NATO - with the full approval of their population.
                Quote: andj61
                Putin is now actually supported by even more than 77%

                well, as if I'm against it.
                Quote: andj61
                And now they are not even fighting the opposition - there’s no reason to.

                correctly. What for.
                One batch. one president, appointed successors - this is so good.
                Quote: andj61
                Consensus in the country - with such pressure from the West

                It will continue to be. maybe in the Kremlin they understood how to improve the life of the population. better butt with the west and look for enemies everywhere and
                Quote: andj61
                and it is he who is needed - with this, according to perhaps 98%.

                Quote: andj61
                But inside the country there are problems, we need a new economic course.

                What are you saying ? And what about one batch. appointed governors. the absence of the opposition and completely controlled by the media can not solve such a trifle? wink
                You see, it’s not so simple - on the TV you can scuff anything. and the economy is not controlled by telecom and vertical. here you need trust, as a people. and business - and with this tight.

                Quote: andj61
                To do this, Putin needs to abandon a number of friends - surnames are known to everyone. In the country waiting just this

                In vain. With such support. who refuse friends.
                Anyway. Andrei, you are a smart person. stop believing in fairy tales about the good king and bad boyars.
      2. Stanislas
        Stanislas 22 March 2018 11: 58
        +1
        Quote: Ascetic
        precaria
        It is not clear why the current situation of precarious employment is more similar to the medieval process of drawing free peasants into feudal dependence than with the situation of the proletariat selling its labor force. Due to the lack of class consciousness? But what is the reason for this?
      3. Victorio
        Victorio 22 March 2018 15: 37
        0
        Quote: Ascetic
        of Russia precarial labor is spreading ever wider. This is unstable work, unwarranted and low pay, unregulated working hours. No training, no social package, no labor protection. And one more important point - no way to defend your position and rights.

        ===
        and not only, in many countries of eastern Europe the situation is almost similar
    3. Elizar Zadunaysky
      Elizar Zadunaysky 22 March 2018 10: 35
      +1
      everyone has a bright future if you look at him looking in the morning east while in the cemetery
    4. Akuzenka
      Akuzenka 22 March 2018 11: 21
      +4
      What a "funny" article. The author, we live under capitalism, there is no other way. Moreover, Russia is not a country with an independent currency. The number of rubles in the economy depends directly on the amount of Fed dollars (i.e. candy wrappers) that were received from the sale of resources and products abroad. "Our" Central Bank carefully monitors this and will not allow to print rubles more than sold for dollars. The Central Bank is a substructure of the Fed. Those. The Fed makes sure that our economy NEVER has enough rubles. Let the author rightly resent, but as long as the Central Bank is not nationalized, it will be so. If the Fed wants to bring down the ruble, it will make it incredibly easy with a couple of clicks on the computer button. About the laws that prohibit investing in your country "their" savings, I will not say anything.
      1. luk
        22 March 2018 12: 36
        +1
        Thank! You "discovered" America for me. Author
    5. Alber
      Alber 24 March 2018 07: 06
      0
      Quote: Ruslan Gainutdinov
      Russia will flourish only under the dictatorship of the proletariat ... we hope that soon)

      And deputies should only be popular ...
  3. rotmistr60
    rotmistr60 22 March 2018 06: 40
    +10
    The ratio of banks to the population is probably no different in other countries. For the banker, the main thing is% profit, and therefore other questions are not of interest to him. But Gref ("a Russian statesman of German descent") should be seriously considered.
    1. Uncle lee
      Uncle lee 22 March 2018 06: 48
      +7
      Bloodsuckers, however ...
      Here is the answer! Moneylenders and rip off!
      1. Ingvar 72
        Ingvar 72 22 March 2018 07: 12
        +12
        Quote: Uncle Lee
        Moneylenders and rip off!

        But they are also friends of Vova! laughing
        1. Akuzenka
          Akuzenka 22 March 2018 11: 23
          0
          And where in the world are bankers not friends of the first persons? Capitalism, however.
    2. free
      free 22 March 2018 08: 41
      +4
      Quote: rotmistr60
      The ratio of banks to the population is probably no different in other countries. For the banker, the main thing is% profit, and therefore other questions are not of interest to him. But Gref ("a Russian statesman of German descent") should be seriously considered.

      By identity, he will be engaged in a friend of HIS MAJESTY!
    3. Vadim237
      Vadim237 22 March 2018 09: 29
      0
      “But Gref” Sberbank is fine - no complaints.
      1. lance
        lance 22 March 2018 12: 51
        +2
        What planet are you on? Sberbank pricks everyone from smaller banks to lumpens. Moreover, the gref on the welfare of the Russian Federation is deep, he cares about his interest in the bank.
        1. Sergej1972
          Sergej1972 22 March 2018 15: 33
          +1
          Normal bank.
        2. Vadim237
          Vadim237 22 March 2018 19: 14
          0
          I have the same several major contributions there - and there have never been problems with them.
          1. lance
            lance 22 March 2018 19: 21
            0
            if you don’t withdraw cash more than 150 thousand? what next? their gold lies, I do not use it anymore, if only to go for bread.
            1. Vadim237
              Vadim237 23 March 2018 00: 43
              0
              And then it’s clear - such grandmothers will not keep in the bank, large amounts, several million from account to account - a bank card.
  4. l7yzo
    l7yzo 22 March 2018 06: 40
    +2
    It is time for our state to release free and accessible autonomous energy from under the cloth. This will save the village (people will go to live there again), reduce unemployment - increase wages means (the demand for workers will be much higher - so the ZP will also think). By virtue of which, the general well-being of the people, that of the urban, and then of the rural, will increase. Purchasing power will increase - trade will rise and production will tighten.
    1. mac789
      mac789 22 March 2018 09: 48
      +3
      Autonomous energy ...
      Firstly, to make it truly autonomous, you will need autonomous drives.
      Secondly - you will need access to the network (or to several competing networks, which is unlikely to happen)
      Thirdly, the network should be technically prepared to receive excess energy from you.
      Fourth, the automatic grid control system must be paired and coordinated with your personal power system.
      Fifth, a legal framework should be created.
      And if all this is realized, we will get a new branch of the economy - Small Energy. These are new jobs, and new technologies, and a new promising market, and a new ultra-stable currency - kilowatt hours
      1. Stanislas
        Stanislas 22 March 2018 13: 19
        0
        Quote: mac789
        Fifth, a legal framework should be created
        If you put this as the first paragraph, then with subsequent problems should not be, nmv.
        1. mac789
          mac789 22 March 2018 23: 15
          0
          Technically, everything is very difficult.
          1. l7yzo
            l7yzo 25 March 2018 09: 42
            0
            Yes, there were problems with batteries (batteries) - but now there are quasi-optical capacitors. they don’t care about the temperature, they can quickly give / take a large charge (high power), a huge service line, charge quickly, hold a charge for a long time.

            the permission from those in power is left - and the process will go. Do you think that Germany plans to switch to 2020-30% of all green energy by 40? And the totem at all from 80-90 to 30-35 years old? Enough to destroy the planet, we have grown to that state and age - when we can create, or at least create.
    2. Sergej1972
      Sergej1972 22 March 2018 15: 36
      +1
      The vast majority of those who left the village will not return there under any circumstances. No matter what they say, many people like the urban way of life, but most likely. The maximum is something like a summer residence and a trip to a small homeland to relax, go mushrooming, berry-picking, fishing.
      1. mac789
        mac789 22 March 2018 23: 17
        0
        After the electricity is cut off, you will have three days.
  5. Lynx33
    Lynx33 22 March 2018 06: 47
    +6
    It would be nice to throw this little article into the presidential apparatus with a couple of thousand support signatures, too.
    1. Don
      Don 22 March 2018 07: 00
      +18
      Quote: Lynx33
      It would be nice to throw this little article into the presidential apparatus with a couple of thousand support signatures, too.

      Do you think this will change anything? On such naive people all this predatory system rests and prospers.
      1. vik669
        vik669 22 March 2018 11: 36
        0
        Only a "frightened id.ot" can offer to throw an article into the device !!!
    2. BecmepH
      BecmepH 22 March 2018 07: 08
      +15
      Quote: Lynx33
      It would be nice to throw this little article into the presidential apparatus with a couple of thousand support signatures, too.

      What GDP is strong in is awareness. Always operates with numbers. So, he knows all this. Known and satisfied.
      1. Vladivostok1969
        Vladivostok1969 22 March 2018 10: 33
        +2
        Just check the fidelity of these figures you can? But you can say everything. The language is boneless.
        1. lance
          lance 22 March 2018 12: 59
          +1
          Putin went through the kgb school to his upper apparatus, do you want to say he has bad memory?
          1. avia1991
            avia1991 24 March 2018 20: 33
            0
            Quote: Lance
            Do you want to say he has a bad memory?

            Probably yes: what he promises before the election forgets after the election. Before the next, SAME begins to promise. What is it if not memory lapses? what
        2. BecmepH
          BecmepH 22 March 2018 13: 53
          +1
          Quote: Vladivostok1969
          Just check the fidelity of these figures you can? But you can say everything. The language is boneless.

          What are you talking about? Why should I check some digits? Read my comment carefully.
          I just said that the GDP knows all these figures. There are no secrets from him in the state of Russia.
          1. Vladivostok1969
            Vladivostok1969 23 March 2018 02: 50
            +1
            I didn’t want to offend you in any way. I simply noted that neither you, nor I nor anyone else (well, except the initiates) will be able to verify the veracity of the numbers given. Statistics is a delicate matter. hi
      2. Akuzenka
        Akuzenka 22 March 2018 11: 31
        +1
        I categorically do not understand that you got into GDP? !!!! This is happening all over the world, with the exception of a couple of socialist countries. In Russia, capitalism. In capitalism, it only happens that you are moaning about. Express your grievances to the Western world and their presidents, how they will fix this, express GDP. I’m not naive, I understand that you will never blame the West for what you blame Russia for. Well, at least be somewhat varied in the comments, otherwise doubts will creep into your critical thinking.
        1. Vladivostok1969
          Vladivostok1969 23 March 2018 02: 51
          +3
          Well, yes. Capitalism. And the people did not fit into it.
        2. avia1991
          avia1991 23 March 2018 18: 09
          +1
          Quote: AKuzenka
          I’m not naive, I understand that you will never blame the West for what you blame Russia for.

          My dear, why do we blame the West? What does the West have to do with it ?! We live in Russia, and we demand social justice (do not confuse equality!) From the Russian authorities! WHY do we look to the West ?! Let them live there in their own way, as they want - a flag in their hands! For example, I want to live HERE - in Russia, which is a fair, strong and independent state, caring for its citizens and their interests, giving them confidence in the future, and the HIGH GOAL that we all strive for together! ..And so far, there has been concern about global financial markets, the desire by any means to achieve "respect for the" West, and the influx of foreign investment into the country - due to which it is planned to create the appearance of "economic development" .. Are you standing for IT? Then sorry I’m I don’t understand you. hi
        3. Alber
          Alber 24 March 2018 07: 11
          0
          Quote: AKuzenka
          In Russia, capitalism. In capitalism, it only happens that you are moaning about.

          Fuck us your thieves capitalism?
    3. Semen1972
      Semen1972 22 March 2018 13: 39
      0
      Quote: Lynx33
      It would be nice to throw this little article into the presidential apparatus with a couple of thousand support signatures, too.

      And the President will pass the law, and there will be no more suckers!
  6. Fox
    Fox 22 March 2018 07: 01
    +22
    when there was a choice, someone chose to pour all the loot into the banking sector, and not into industry or education .. the result is visible. now the song is old: the king is good, the boyars are bad.
    1. Vadim237
      Vadim237 22 March 2018 09: 32
      0
      "Pour into industry." Only here is but - all these injections will pay for themselves, maybe in a few years.
      1. avia1991
        avia1991 22 March 2018 10: 00
        +9
        Quote: Vadim237
        all these injections will pay for themselves, maybe in a few years.

        For 18 years, figure it out, HOW MUCH has everything already paid off?! .. But no - the "Reserve" buck fund and Amer bonds of interest-free loans are more important! am
        1. Vladivostok1969
          Vladivostok1969 22 March 2018 10: 34
          +4
          And one fund just ended crying
        2. Vadim237
          Vadim237 22 March 2018 19: 17
          0
          All that was needed was built and the process continues, thanks to the reserve fund - that it was "left" in crises.
          1. avia1991
            avia1991 22 March 2018 20: 54
            +4
            Quote: Vadim237
            All that was needed was built and the process continues

            Where did you see it? Tell me
            If you go to the appropriate sites, see what enterprises are opening, and in what quantities - there is a misunderstanding: "WHAT IS HAPPY FOR?" Bankrupt and plundered enterprises of a dozen a day (!!!), those that had production volumes that could meet the needs of half the country (each)! Are they being built? Mainly, small and medium woodworking, logging, services, logistics, trade ... WHERE? Where are machine tools, electronics, deep processing of minerals, mechanical engineering, etc.?! NOT MUCH .. At the same time, for everything about all investments - God forbid 5% of the ever-memorable NWF! Question: why is it needed? In those very “especially valuable” papers of the US Federal Reserve?
            1. Vadim237
              Vadim237 23 March 2018 00: 48
              0
              "Where is the machine tool industry, electronics, deep processing of minerals, mechanical engineering, etc.?" They are building the same thing, as an example, the joint production of 3D DMG machines in Ulyanovsk.
              1. Vladivostok1969
                Vladivostok1969 23 March 2018 02: 54
                +1
                Go to any department store. What will you see there?
              2. avia1991
                avia1991 23 March 2018 18: 12
                0
                Quote: Vadim237
                sharing production of 3D DMG machines

                ??? No comments..
          2. Alber
            Alber 24 March 2018 07: 20
            0
            Quote: Vadim237
            All that was needed was built and the process continues, thanks to the reserve fund - that it was "left" in crises.

            Your nonsense is your capitalist! built what is needed for the moneylenders-usurers ..
            Why is a huge part of Russia without gas heated by wood?
            I will say why. The grabbers, the marauders close to the body put their sticky paws on the country's resources, which should belong to the whole Russian people
            1. Golovan Jack
              Golovan Jack 24 March 2018 07: 53
              +4
              Quote: Alber
              Why is a huge part of Russia without gas heated by wood?

              In order of clarification: is it (a huge part) that, under sworn capitalisms, switched to firewood? Or has it been like this from time immemorial?
              Quote: Alber
              I will say why ...

              No need to whistle. My grandfather and grandmother in the village (Moscow region, not any taiga) survived until the end of the 80s - on wood. And then they died.
              And without any distinct road to the house - from the railway 5 kilometers along the fields-hills (in winter try ... either in spring or in autumn), from the highway - 3 km. (similarly).
              Voooot request
              1. avia1991
                avia1991 24 March 2018 20: 27
                +2
                Quote: Golovan Jack
                and survived until the end of the 80s - on wood

                And what - do you think this is right? As well as the fact that after the collapse of the Union, the export of energy resources increased several times - and the domestic supply of gas by only a few percent? Despite, incidentally, the repeated promises of authorities of all kinds to situevine fix this ..
      2. Akuzenka
        Akuzenka 22 March 2018 11: 34
        +5
        The financial system in Russia, American consultants, was built in the early 90s so that production only bends. And banking activities all went into speculation. Since then, little has changed.
  7. awl
    awl 22 March 2018 07: 03
    +15
    Stability awaits Russia! yes On TV, stable prosperity, but in real life stable degradation! sad
    1. SPACE
      SPACE 22 March 2018 08: 40
      +4
      Quote: awl
      On TV, stable prosperity, but in real life stable degradation!

      Well, on TV it’s not with you. And what you know better.
      1. The comment was deleted.
    2. Semen1972
      Semen1972 22 March 2018 13: 38
      +3
      Quote: awl
      Stability awaits Russia! yes On TV, stable prosperity, but in real life stable degradation!

      76% saw stability.
      1. awl
        awl 22 March 2018 14: 02
        +4
        Yes, there is 76% of the word AT ALL!
        1. Semen1972
          Semen1972 23 March 2018 14: 41
          +1
          Quote: awl
          Yes, there is 76% of the word AT ALL!

          Send links to your statistics.
          1. avia1991
            avia1991 23 March 2018 18: 26
            +1
            Quote: Semen1972
            Send links to your statistics.

            Why do you need it? You are not inclined to believe anything other than the data of VTsIOM - “the most honest statistical agency in the world”! laughing
            And for the rest, as an option - here:
            https://gala-gala15.livejournal.com/588465.html
            I do not claim, of course, that this is an unequivocal truth - but there is something to think about.
            Thoughts: in the text, be sure to click where it says "Click to read" - otherwise it will not be clear what to read wink
  8. Nix1986
    Nix1986 22 March 2018 07: 07
    +6
    Until 2014, he knew a little English and wanted to continue his business in Russia. Now, within a year, he pulled himself up to the intermedia. Everything is very worried 100 times and before me, I will say for myself - I see no reason for the economic growth, well, if there is no further impoverishment, you hope for stagnation.
  9. Maalkavianin
    Maalkavianin 22 March 2018 07: 17
    +6
    Light degradation awaits.
  10. Dimy4
    Dimy4 22 March 2018 07: 23
    +5
    We take PPSh and shoot all the bankers.
    1. Semen1972
      Semen1972 22 March 2018 13: 38
      +2
      Quote: Dimy4
      We take PPSh and shoot all the bankers.

      Start, and we'll see.
      1. avia1991
        avia1991 23 March 2018 18: 29
        +1
        Quote: Semen1972
        Start and we'll see
        Better go around the corner, away! It’s not an hour, you will fall under a hot hand ..
        1. Golovan Jack
          Golovan Jack 24 March 2018 08: 13
          +4
          Quote: avia1991
          ... fall under the hot hand ..

          The hottest part of your body is still your tongue.
          And he, as expected, is boneless. And therefore - somehow it’s not scary at all request
  11. sib.ataman
    sib.ataman 22 March 2018 07: 32
    +21
    Of course, the author is right !!! Especially the last conclusion is fair! Having already paid my salary as early as 3 months, although I work every day for 13-14 hours with a couple - three days off for a month, no holidays (which are only on paper!), And not at the most irresponsible work (and the money at that time spin on those very interbank exchanges!), no one flies about how you survive, and the owner will have an impudent and simple answer, I don’t like it, go ahead! And so everywhere around! I can imagine what a gnash of teeth is (if we could hear a little better) when they show this liberal scum that favored Russia, such as the Yavlinsky, Sobchachek, Chubais (very rarely began to protrude), Anal, Naebulins, etc. . and so forth. They cannot be counted, their name is legion!
    Russia can endure for a long time, but a mere trifle can serve as a descent! This has already happened more than once in history, when popular riots developed into, in fact, civil wars! It was not for nothing that the classic wrote that it was terrible, but somewhere meaningless, a popular rebellion! So what to do? Has accumulated! Though we ourselves, most often, suffer from this!
    1. Golovan Jack
      Golovan Jack 22 March 2018 07: 39
      +10
      Quote: sib.ataman
      Having already been paid no more than 3 months, although I work every day for 13-14 hours with a couple - three days off for a month, without holidays ... and the owner will have an answer arrogant and simple-do not like it, wali

      Liked the "answer will". And so - endured, he endured in Africa ...
      Quote: sib.ataman
      So what to do?

      Change jobs and stop whining. Or - stop whining, and change jobs.
      In this case, "from permutation ... does not change" yes
      1. Galleon
        Galleon 22 March 2018 09: 28
        +10
        If in the country it comes to bloodletting, I would probably start with you. laughing hi
        1. avia1991
          avia1991 22 March 2018 09: 58
          +6
          Quote: Galleon
          I would probably start with you

          "I will participate" .. ("The Man from the Capuchin Boulevard") laughing
          1. zoolu350
            zoolu350 27 March 2018 06: 52
            0
            And leave me his head, but only his head.
        2. Golovan Jack
          Golovan Jack 22 March 2018 10: 34
          +7
          Quote: Galleon
          I would probably start with you

          Flag in hand, green yes
          I, you see, what I advise has already tried. On myself.
          Except for one thing: he never stopped whining. Since I did not start laughing
          1. Galleon
            Galleon 22 March 2018 13: 40
            +4
            Roman, so I go the same way! In the mid-90s he came to Moscow, because turned green with boredom at home, got one profession, another, a third, intercepted the second upper one - already by humanitarian aid. But you allow yourself from your "height" to show your arrogance and contempt to those who have not done so, and those others are not to blame - they are different. People are different and capable of different things. Let’s troll the football team that they sing poorly or play the piano ?! No? But the skill to start over is a special skill. He is taught specially sharpened psychologists in the courses.
            You are not good with people.
            1. Golovan Jack
              Golovan Jack 22 March 2018 15: 41
              +7
              Quote: Galleon
              ... turned green with boredom at home ...

              You are still lucky. For some time I was green for completely different reasons. And you always want to eat (s).
              Quote: Galleon
              you allow yourself from your "height" to show your arrogance and contempt for those who did not

              This is your vision. In fact, to paraphrase "the one who wants to solve the problem is looking for ways." AND there are always ways yes
              This is what I am trying to convey to, ahem, the audience.
              Quote: Galleon
              You are not good with people

              I just don't like whiners. Since childhood. And the whiners to whom all are to blame, except for themselves - especially request
              1. Galleon
                Galleon 22 March 2018 16: 25
                +5
                Quote: Golovan Jack
                I just don't like whiners. Since childhood

                In secret: few people like them at all. Man is weak - this is an axiom. But who is weaker - the one who quits (almost something is wrong) and looks for a better place, or who, in spite of everything, continues to do his job? The answers may be different, but, IMHO, Russia has been supported by the second type of people for 1000 years. It grew by lands and peoples, possibly at the expense of the first type, but holds on to the second.
                1. Golovan Jack
                  Golovan Jack 22 March 2018 17: 37
                  +6
                  Quote: Galleon
                  ... who is weaker - the one who quits (almost something is wrong) and looks for a better place, or who, in spite of everything, continues to do his job?

                  IMHO an attempt to replace the subject of conversation.
                  It's about that. that there are only 10 types of people: those who "move their paws" (a la that frog in a krynka with milk), and those who are waiting for "manna from heaven."
                  The latter type is more prone to sweeping accusations of everything and everything in its, ahem, position.
                  That's about as yes
      2. E_V_N
        E_V_N 22 March 2018 10: 15
        +10
        Quote: Golovan Jack
        Quote: sib.ataman
        So what to do?
        Change jobs and stop whining. Or - stop whining, and change jobs.
        In this case, "from permutation ... does not change"

        So the problem is that the situation does not change from a job change either. Or do you think everything around is white and fluffy and salaries are large and paid on time, but all like fools continue to work for the only villain in the country who does not pay salaries?
        1. Golovan Jack
          Golovan Jack 22 March 2018 10: 40
          +5
          Quote: E_V_N
          the problem is that the situation does not change from a change of work

          That ... not really.
          Quote: E_V_N
          ... you think everything around is white and fluffy and salaries are large and paid on time

          No, I don’t think so. This is definitely not the case.
          Quote: E_V_N
          ... all like fools continue to work for the only villain in the country who does not pay salaries

          The scoundrel is far from the only one, there are very, very many of them.
          As for "like fools" ... well, why so about everyone at once? Cases can be very different ...
          I can say for myself - I’ve been looking for work for almost three years, changed four offices during this time, got accustomed in the fifth, the year is already here. At work ... comfortable (full of affairs, but - tasks are set correctly, payment on time and ... is appropriate). That is - not in vain I was looking, it turns out.
          But under a lying stone, you know ... it’s not flowing request
          1. avia1991
            avia1991 22 March 2018 13: 28
            +7
            Quote: Golovan Jack
            almost three years I was looking for work, changed four offices during this time, got accustomed in the fifth, the year is already here.

            But if you follow the methodology proposed by you, you will run into: WHERE to find so many offices in which there are competent and decent bosses to provide reliable work for everyone who wants to work honestly? The whole country and will break into two dozen firms laughing And who will be involved in real production? And what will we drink, eat, put on? ... So - it’s good to indulge in broadcasting like this, after three years of searching, have taken root in a “warm place”. That's just most of the economy does not give what you managed to find.
            1. Golovan Jack
              Golovan Jack 22 March 2018 15: 35
              +6
              Ahem ... actually, the task
              Quote: avia1991
              ... provide reliable performance all comers work honestly

              I, as it were, was not considered. I nevertheless proceed from the fact that "every man is his own blacksmith."
              And there will always be fewer “tasty” jobs than there are people who want to take them. Therefore your
              Quote: avia1991
              The whole country and will break into two dozen firms

              there is an attempt to bring the thought, which you yourself came up with, to the point of absurdity.
              Since the thought, ahem, is initially strange, you succeeded. My compliments.
              Quote: avia1991
              ... who will be involved in real production? And what will we drink, eat, put on?

              In general, the problem of changing work by one (or even not one) by a specific person is not related.
              The fish is looking for where it’s deeper, and the man - ... where the fish (s) laughing
              Quote: avia1991
              ... most of the economy doesn’t give that at all ...

              ... what most of those who want to work want.
              This has never happened before. And will not be.
              Because it does not happen in nature request
              1. S-kerrigan
                S-kerrigan 26 March 2018 06: 59
                +1
                To the point, and so everywhere after all!
                An example with women (with men is similar) .... Beautiful women are not enough for everyone. Smart women are not enough for everyone. Beautiful and smart enough for only a dozen or two percent.
                The best gets the strongest - everything is like everywhere and always. Did not succeed? Well, that’s life. The food chain and all that.
            2. zoolu350
              zoolu350 27 March 2018 07: 11
              0
              Golovan jack voices job opportunities on the example of Moscow and large cities. For residents of the periphery who don’t have such opportunities for him to us ... For as one similar character said in: “all who have not moved to the losers are maaaskva”.
      3. Stanislas
        Stanislas 22 March 2018 13: 40
        +3
        Quote: Golovan Jack
        Change jobs and stop whining.
        Judging by the report, their work is responsible, not publicized much, but money (my body fat is not enough to delay my retirement for 3 weeks), which allows employees to call someone their boss, endure his impudence, delay salaries and blame them for their uncomfortable situation Putin.
        1. Golovan Jack
          Golovan Jack 22 March 2018 15: 37
          +5
          Quote: Stanislav
          ... which allows workers to call someone the master, endure his impudence, delayed pay and blame Putin for his uncomfortable position

          Plus good
          PS: The owner is just a private trader, that's fine now.
  12. SPACE
    SPACE 22 March 2018 07: 39
    +10
    Just a monstrously stupid article! There is so much stupidity in it, where to start, probably with the name:
    What is waiting for Russia? Degradation or a bright future?

    How loud, “hear the cry of the soul”
    Let's start with the banks. Banks are cash flow operators.

    Banks? And it's all? Without banks, we all definitely have a kayuk.
    Where is the pop and where is the parish request
    Here are just some of the typical headings from such reviews:

    Do not like do not go, go to the ATM, he is polite, he is silent laughing
    But what about the holy commandment of the banker "CLIENT ALWAYS RIGHT"?

    What naivete, the banker is man’s best friend wassat
    And a curious figure opened up, voiced by Yu. Boldyrev, the confidant of candidate P. Grudinin. It turns out that the Central Bank spent on reorganizing banks, just think about it, 7 trillions of rubles.
    But where did this huge money go? Here would Boldyrev ask about it.

    Where did the money go?
    Option 1, Bankers stole.
    Option 2, Sawed oligarchs.
    Variant 3, Given by an American.
    And you guessed it again! Here he is our winner!
    Why should a person think why they give money to banks, it’s difficult, we better read slogans, there are few letters and everything is clear, the main thing is to shout louder, especially if there is nothing to think about.
    Banks not only store money and provide payments and transfers, they invest, give loans, which they actually live on. If the bank has invested all its money, it may happen that one day when you arrive at the ATM, there may not be money there. That’s why the Central Bank pours money (blood) into second-tier banks, but not into the bank itself, but through banks into the country's economy, quietly, measuredly and calmly, without revolutionary cries and all kinds of stupid million one hundred twenty steps, carries out emission, systematically increasing the money supply is gradually and confidently growing in the Russian economy, and accordingly contributes to the development of production and that you could take your honestly earned .. itd
    Z.Y. I do not want to cling to the author, but it seems that the schoolboy, a schoolboy, offended by bankers, wrote. But we have freedom of speech, even if it is a very stupid word ...
    1. K.A.S.
      K.A.S. 22 March 2018 08: 41
      +5
      I put you a plus! But I'm afraid that few people will understand what from your comment! People think in other categories! banking understand the economy at the level of trade in seeds! An article for many site visitors explains everything!
      Only commentators do not wonder why our government conducts such an economy policy and not another?
      1. SPACE
        SPACE 22 March 2018 09: 46
        +4
        Quote: K.A.S.
        but I’m afraid that few people will understand anything from your comment!

        Therefore, neither Putin nor Nabibulin explains anything to anyone who needs to understand. The government cannot take into account the wishes of everyone and issue a personal law for everyone. It controls the elements, trends, on the basis of uniform laws for all, useful for the state, but taking into account internal features; resources, the balance of enterprising clever or passive fools, as well as external; our demand there, a set of enemies and friends who, under liberalism, have access to our internal affairs. Because of this, sometimes laws are indirect for the benefit of all, and selective or completely opposite, it’s like treating an illness with an antibiotic, there are no absolutely useful medicines, so you have to maneuver between your desire and your stranger between the desire to heal the body by killing the infection that is brought from outside, not damaging with vital organs.
    2. nikvic46
      nikvic46 22 March 2018 09: 04
      +6
      This is purely in Russian. To know the inside of the vicious financial system of Russia, and to say everything is going well,
      everything is going right. Then enlighten us why Russian entrepreneurs invest their money
      to foreign banks? The answer is simple - lack of trust. The conductors of the Russian occupation by the dollar. Omit
      the ruble, they are doing a good job selling low-cost products to the West. Mall China also lowered the yuan to increase exports. Only the difference between the two countries is obvious. China has 20% of GDP, and we will not leave 2% for years. China has thrown America with cheap TVs .Every year, the state supports the banks of Russia, forgetting that there is bankruptcy. Healthy competition is the guarantee of the financial system of Russia.
      1. avia1991
        avia1991 22 March 2018 09: 55
        +4
        Quote: nikvic46
        Conductors of the occupation of Russia dollar.
        ruble, doing a good deed — selling cheap products to the West.

        Nonsense. In fact, our export products are not very cheap. But the expensive bucks earned for them allow the government to create the appearance of stability by paying “dried” rubles salaries, pensions, allowances ... now it’s half as much money now than in 2014! wassat
        1. awl
          awl 22 March 2018 13: 23
          +2
          Your short comment shows the essence of the Russian economy good yes
        2. SPACE
          SPACE 22 March 2018 16: 38
          0
          Quote: avia1991
          But the expensive bucks earned for them allow the government to create the appearance of stability by paying salaries, pensions, allowances with "dried up" rubles ... now it’s two times less money than in 2014!

          Well, the price of domestic goods matches the “dried” ruble, but iPhones and Parmesan really have become more expensive, so that you would become patriots wassat and did not finance foreign companies and the ruble did not dry out even more. wink
          Quote: awl
          Your short comment shows the essence of the Russian economy

          And your comment is even shorter, shows your essence fool .
          1. avia1991
            avia1991 23 March 2018 18: 43
            0
            Quote: SPACE
            and did not finance foreign companies

            Almost always, when buying household appliances, clothes, simple household items, we - and you too! - we finance just a foreign business! (mostly Chinese).
            1. SPACE
              SPACE 24 March 2018 18: 00
              0
              Quote: avia1991
              Almost always, when buying household appliances, clothes, simple household items, we - and you too! - we finance just a foreign business! (mostly Chinese).

              There is no Chinese, there the margin is three times higher than the prime cost, therefore sellers of intermediaries get more profit from the sale of Chinese goods, usually theirs than the manufacturer, in other words, it is more profitable to buy Chinese than to produce it yourself.
              You don’t make any sense either to business or to the economy as a whole, so don’t even bother.
    3. Vadim237
      Vadim237 22 March 2018 09: 39
      0
      And then they ask where the money invested in banks has gone - as the population and companies pay 15 billion rubles in accounts payable, that is, the guys took it and didn’t return it, it’s about the danger of affordable loans - they grab it, but they can’t give it back or don’t want to.
      1. awl
        awl 22 March 2018 13: 25
        0
        With this money, something is bought! For something paid ... Not in the same mattress they put the loan ... smile
    4. E_V_N
      E_V_N 22 March 2018 10: 29
      +4
      Quote: SPACE
      If the bank has invested all its money, it may happen that one day when you arrive at the ATM, there may not be money there. That’s why the Central Bank pours money (blood) into second-tier banks, but not into the bank itself, but through banks into the country's economy, quietly, measuredly and calmly, without revolutionary cries and all kinds of stupid million one hundred and twenty steps, carries out emission, systematically increasing money supply of a gradually and steadily growing Russian economy,

      Do not cast a shadow on the wattle fence respected. Not one sane person will not enter money into the economy through banks, money will be introduced into the economy only through state orders. (For example, you read how the economies of the USA and Germany were derived from the pre-war and post-war Germany). Putting money into the economy through banks does not raise the economy, but on the contrary bleeds it, since money for the economy becomes much more expensive due to bank interest, and money is not allocated to all banks, which leads to a concentration of funds in a narrow circle of close associates, which in turn leads to monopolism and higher cost of funds.

      Z.Y. I do not want to cling to you, but the impression is that you are the very banker. But we have freedom of speech, even if it is a false word of a banker.
      1. SPACE
        SPACE 22 March 2018 15: 29
        0
        Quote: E_V_N
        money is introduced into the economy only through state orders.

        One thing does not cancel the other, since you expanded the scope of discussion and went beyond the banking sphere, of course, direct subsidies are also being made for defense, infrastructure, government projects, but this is not enough, money is needed for the development of other sectors of the economy, but how will you do it? When the number of medium and small legal entities goes to thousands, tell me the mechanism that it will redistribute and do? Yes, even without corruption. Or will you personally determine each in turn who is smart and to whom you can give? From those who idiotically draw out or buy up currency and dump.
        Quote: E_V_N
        You read, for example, how the US and German economies were derived from the pre-war and post-war Germany dipresias)

        Exactly, in special conditions, and in peacetime, other mechanisms are needed.
        Quote: E_V_N
        which leads to the concentration of funds in a narrow circle of associates, which in turn leads to monopolism and a rise in the cost of funds.

        Close to whom, the Kremlin or the State Department? In our country, economic liberalism, and any stranger through dummy local people, can also quite successfully cut the budget and seize tidbit assets.
        Remember 90. This is only a naive Chubais, Gaidar and Co., thought that they were building a free economy for the good of the people. But the CIA thought differently, remember how many defense sector enterprises were privatized and deliberately destroyed, and behind every serious energy and resource business, CIA ears stuck, remember Khodorkovsky and Browders ... Fortunately, they came to power and put an end to it, and how they used to restore sovereignty in the country, banking, gangster and all other things do not matter. And yes, it’s for the Kremlin that it’s precisely what’s important, and as for you, the people, whether you are at least three times a patriot, there are 130 millions of “bright” heads besides you, and theoretically everyone can be bought or forced. And who is who, after that? Yes, not a single special service can figure it out, but give you all the money ...
        1. avia1991
          avia1991 23 March 2018 18: 40
          0
          Quote: SPACE
          theoretically everyone can be bought or forced

          Do not judge by yourself! Not everyone can be bought, and even made .. unless the new "capitalist generation" laughing But they are still a minority.
          1. SPACE
            SPACE 24 March 2018 17: 53
            0
            Quote: avia1991
            Not everyone can be bought, but already forced.

            Everyone is not necessary, not cost-effective, but some Kozlov can, the problem is to calculate them among millions.
    5. luk
      22 March 2018 10: 34
      +3
      Not hooked! Most likely, you are a rare instance that bankers have not yet hooked on.
    6. luk
      22 March 2018 12: 39
      +7
      Hello dear Demyan! Thanks for your rating. The name of the article was changed by the moderator. Its true name is BROWNS ... by
      1. SPACE
        SPACE 22 March 2018 15: 46
        0
        Quote: luk
        Not hooked!

        Not surprising!
        Quote: luk
        Hello dear Demyan! Thanks for your rating. The name of the article was changed by the moderator. Its true name is BROWNERS ...

        Hello dear. The name is not important. But you need to think !?
  13. Prometey
    Prometey 22 March 2018 08: 03
    +2
    What is waiting for Russia? Degradation or a bright future?
    Degradation in the bright future.
    1. SPACE
      SPACE 22 March 2018 08: 11
      +3
      Quote: Prometey
      What is waiting for Russia? Degradation or a bright future?
      Degradation in the bright future.

      Judging by some articles and comments on them, this future has already come.
      1. avia1991
        avia1991 22 March 2018 09: 51
        +2
        Quote: SPACE
        Judging by some articles and comments on them, this future has already come.

        ..And it’s convenient to comment like that while sitting under the Canadian flag, right? .. Although, before, you had a Shtatovsky hanging. self-determination problem? wink
        1. awl
          awl 22 March 2018 13: 28
          0
          He presents me for the US flag laughing although I live in the Chelyabinsk region, and my answer to him was deleted! Although there was nothing forbidden negative
      2. sib.ataman
        sib.ataman 22 March 2018 11: 21
        0
        It is better to return to Russia to enjoy this future!
  14. Altona
    Altona 22 March 2018 08: 13
    +7
    I wrote a few comments on this subject a few days ago, but apparently no one began to read them except Sylvester. And since it was before the elections, they considered that I again unreasonably criticized the current government. Although I wrote that someone Oleg Tinkov and his bank Tinkoff is just a cover for a VTB bank fraud. That all these "parent capital", "mortgages" are just for the bank to profit. Under capitalism, the D-T-D formula works, that’s if you studied political economy ... That is, money is invested in goods to get big money (money is a stroke). Under socialism, the T-D-T formula works. That is, money serves commodity production. Goods are manufactured, sold to expand production. But real inflation, it is equal to D "-D. That is, the amount of money unsecured by goods and services. If primitive.
    1. K.A.S.
      K.A.S. 22 March 2018 08: 32
      +2
      Well, now try to open a business according to the formula of social economics!
    2. SPACE
      SPACE 22 March 2018 08: 34
      +2
      Quote: Altona
      Under capitalism, the D-T-D formula works, that’s if you studied political economy ... That is, money is invested in goods to get big money (money is a stroke). Under socialism, the T-D-T formula works.

      And if I want to save? What do I need to save goods? I wonder what parrots? And if I want to go to the Maldives, do I need a personal plane to transport these parrots?
      Quote: Altona
      Goods are manufactured, sold to expand production.

      A product is produced if there is a demand for it. And if I do not want to expand production, but want to drink what I have earned with friends? Is that forbidden in your political economy? They work to live, but do not live to work.
      You are obviously a well-educated person, but say more and more strange things.
      1. Romulus
        Romulus 22 March 2018 08: 37
        +2
        Quote: SPACE
        but all the weirder things you say.

        There is an hour: nostalgia
        Squeezes the heart ... The brain - in the heat ...
        The soul grieves ... The hand is trembling
        Involuntarily reaches for a pen.
        Demian ... Poor (space))
    3. NN52
      NN52 22 March 2018 10: 29
      +7
      Altona

      I wanted to clarify, what about maternal capital?
    4. E_V_N
      E_V_N 22 March 2018 10: 47
      +1
      Quote: Altona
      Under socialism, the T-D-T formula works. That is, money serves commodity production. The goods are produced, sold to expand production. And real inflation, it is equal to D "-D. That is, the amount of money unsecured by goods and services. If primitive.

      That's right, there are only a couple of comments.
      1. Under socialism, the T-D-T formula "was not applied, since the prices of goods were directive and not determined by demand, but were set" from above ", the sale (or not sale) of the goods did not lead to either expansion of production or reduction, since the production plan was also set "from above", moreover, this plan must have been exceeded without fail. It was this reality that led to the imbalance of the economy and general deficit, while industrialization and post-war restoration took place, this system is less tolerable it worked, but with relative saturation of goods and services, stagnation occurred, followed by a deficit.
      2. Inflation is not considered by the primitive formula D "-D. Since this margin settles in a narrow layer of oligarchs and senior officials, and their consumption does not affect internal inflation, their consumption of goods occurs behind the" hillock. "Internal inflation is untwisted and secured." natural monopolies "annually raising their tariffs allegedly" to maintain pants "
      1. r4space
        r4space 22 March 2018 19: 07
        0
        and the pants first tried to keep the monopoly with loans wink
    5. Semen1972
      Semen1972 22 March 2018 13: 37
      +1
      Quote: Altona
      I wrote that someone Oleg Tinkov and his bank Tinkoff is just a cover for the VTB Bank fraud.

      I have been their client (Tinkov Bank) for more than 5 years, I am happy as an elephant .. I refused from Sberbank, as from a nightmare.
  15. K.A.S.
    K.A.S. 22 March 2018 08: 30
    +2
    Article by no means! The author has a lot of books on economics, banking, etc.: read at your leisure, you will learn a lot!
    1. E_V_N
      E_V_N 22 March 2018 10: 50
      +3
      Quote: K.A.S.
      Article by no means! The author has a lot of books on economics, banking, etc.: read at your leisure, you will learn a lot!

      There are many books on psychology and parapsychology, as well as psychics and horoscopes, the same interesting reading. 90% of books on economics from the same area.
    2. luk
      22 March 2018 12: 41
      +3
      This article is not about banking theory, but how we live under bankers. The genre is called "PUBLICISM". Look for scientific articles on other resources. Author
  16. Alex66
    Alex66 22 March 2018 08: 33
    +2
    The article is good, only the ending about the blockchain has to do with it? Without real production, which ensures the well-being of people, the blockchain is not a panacea, it will still be controlled by someone. He will not save from exploitation and deception, you need to change yourself and change the system in which we live, and there will always be someone who will rob others.
  17. free
    free 22 March 2018 08: 37
    0
    That is why the author is a supporter of the speedy introduction of the blockchain, it's time to put snickering bankers in a stall. But in our country this is far away, as before Jupiter, the draft law on cryptocurrencies introduced into the Duma puts our country in the number of backward jurisdictions from the very start of the digital revolution in favor of domestic bankers.
    Bloodsuckers, however ...
    Know at the same time and bankers, and deputies and the government!
  18. Altona
    Altona 22 March 2018 08: 48
    +2
    Quote: SPACE
    You are obviously a well-educated person, but say more and more strange things.

    ------------------------------------
    Under socialism, there were planning tools for regulating the commodity supply, for regulating and linking the money supply there are also many financial instruments, including for your savings, if you keep money in the form of a deposit or bonds, or something else. And under capitalism, there is also expanded production, a bunch of unclaimed goods are produced, high-quality, but unclaimed. You and your wife go shopping, see shirts and sneakers of the same design, but they are not all sold out. Therefore, at the end of my previous commentary, I wrote "primitively" because I did not further develop the topic.
  19. Altona
    Altona 22 March 2018 08: 52
    +3
    Quote: K.A.S.
    Well, now try to open a business according to the formula of social economics!

    --------------------------------
    Where did you study? The socialist economy implies the absence of a private right to the means of production, the whole country acts as a large corporation. Now socialist means a transitional economy, where there is a large role of the state in shaping the business environment for a small entrepreneur — cheap credit, rental of premises, and a reduced tax rate.

    Find or download this children's economics book online and read. Everything is accessible written. I guarantee that you will learn a lot in answering your questions.
    1. r4space
      r4space 22 March 2018 19: 10
      0
      Read as a child smile good, right book
  20. Altona
    Altona 22 March 2018 09: 03
    0
    Quote: Romulus
    There is an hour: nostalgia
    Squeezes the heart ... The brain - in the heat ...
    The soul grieves ... The hand is trembling
    Involuntarily reaches for a pen.

    ----------------------------
    You would study, young people, then you would understand more. And so you write a comment, you think that people are prepared, and people are still kittens blind. Then they are offended why they didn’t explain it there and they didn’t explain it.
  21. mac789
    mac789 22 March 2018 09: 20
    +10
    The money that is in the bank is the money of the bank. The Bank will think a thousand times whether to return your money to you from your account. And if he has at least the slightest chance of not giving them to you, the bank will not give them to you.
    1. mac789
      mac789 22 March 2018 09: 29
      +4
      Now it has become very fashionable to keep money on a plastic card. To many, they replaced the money - it seems more convenient.
      If someone thinks that cards are created for his convenience, he is very mistaken.
      Maps are designed to make it easier for you all to rob.
      Doubt it? How about collecting fines without a court order? Or maybe someone will remember that policeman complaining to Putin through a video message on YouTube.
      So - in a couple of days his bank cards were blocked ... By chance ...
    2. Vadim237
      Vadim237 22 March 2018 19: 23
      0
      Always as I applied for writing off a large amount - they always returned, no problem.
      1. Cossack 471
        Cossack 471 22 March 2018 22: 07
        +1
        Only today the news told how in Bashkiria the bailiffs paid alimony from a bank account of an allegedly non-payer. but it turned out to be namesakes and bailiffs cheekily declare. they say now it’s impossible to return the money. So you are lucky that the amounts written off did not go to pay someone else's alimony. And all you need to do is to bind the TIN in the documents to the surname and not only the date of birth and namesakes at once
      2. mac789
        mac789 22 March 2018 23: 11
        +1
        In the year 91, Pavlov and others like him returned the money from the accounts of the whole country, so far that we still cannot ...
  22. andrej-shironov
    andrej-shironov 22 March 2018 09: 32
    +3
    Dear Anatoly! You, as in that old joke, also think that if you rearrange the beds then the brothel will bring more profit! wink I would still advise you to remember the ending of this joke. The current government is not capable of solving the latest challenges in the world and in Russia. From the word "absolutely." Though the rearrangement of beds, the brothel will not have profit. The power is in a blinkered state because it can only think in liberal models, rejecting others completely. The fact that you have listed this is only a consequence of the main misfortune of modern Russia-comprador power, coupled with the oligarchs!
    1. luk
      22 March 2018 12: 48
      +3
      You have not discovered America for me. Even Lee Iacocca, if memory serves, in 1984, wrote that the one who created the business will not be able to modernize the business. The same applies to the Public Administration System. This is a journalistic article, not a theory of state and law.
      1. andrej-shironov
        andrej-shironov 22 March 2018 18: 36
        0
        Anatoly, are you an author? If the author can ask one question: why then the article?
        1. luk
          22 March 2018 21: 14
          +1
          “I don’t like this Chingachgook,” “I don’t like it, don’t eat it!” Do not like it - do not read. You will not please everyone. But many bankers ruined life so much that it turned upside down for many years. And none of the supervisory and controlling bodies, together with the courts, cares about the problems of small people. That's what this article is about, and not about the theory of state and law or about the theory of banking business, as well as about macroeconomics, comprador oligarchs and other high-sounding excesses. There is also no separation of competence or morality of members of the government. Everyone knows and understands. However, the number of comments and the discussion itself indicates that the question was painful, so I submitted it as I managed. Try it and you, together, maybe move a rusty car a millimeter. Author.
          1. andrej-shironov
            andrej-shironov 23 March 2018 08: 50
            0
            smile Fine! Anatoly is exactly what I wanted to hear from you.
          2. Vladivostok1969
            Vladivostok1969 23 March 2018 10: 20
            +1
            Tell me where this rusty car is and where to push it. And we will get together and help. Well, at least I and my neighbor. yes
  23. Altona
    Altona 22 March 2018 09: 38
    +4
    Quote: mac789
    Now it has become very fashionable to keep money on a plastic card. To many, they replaced the money - it seems more convenient.

    --------------------------------
    A plastic card accumulates large masses of money that formally belong to you, but are in the operational subordination of the bank. You will not take off all your 30 thousand salaries. And your neighbor will not take it off, and the factory staff will not take it off right away. Therefore, pieces of plastic worth 50-100 rubles accumulate 15 or more thousand. Therefore, the bank immediately acquires a huge asset from your money, and therefore the power over you personally. Previously, only a socialist state had such an opportunity, and that wasn’t quite, it gave away sn in cash. That is, banks have the capabilities of the state, and totalitarian. Add to this corporate totalitarianism at your work and you will see that capitalism is at least two times worse than any socialist totalitarianism.
    1. mac789
      mac789 22 March 2018 09: 54
      +6
      I agree. But here we must be more precise.
      THIS IS A NEW OWNERSHIP STORY.
      How do you like the real version of the film "The Matrix"?
      WELCOME ....
    2. Semen1972
      Semen1972 22 March 2018 13: 35
      0
      Quote: Altona
      Therefore, the bank immediately acquires a huge asset from your money, and therefore the power over you personally.

      You will be surprised .. but the bank does not have POWER over me personally .. Perhaps this is a special case, and the banks have power over you and others .. I can only speak for myself.
      1. r4space
        r4space 22 March 2018 19: 17
        +2
        Imagine that the bank did not give your pension / salary / scholarship or transfer from the client whom you served. How will your life change if you refuse to serve you with banks in the modern world? Although it is possible that you are engaged in subsistence farming .... however, how can you pay tax on your land in this case?
        1. Semen1972
          Semen1972 23 March 2018 14: 44
          0
          Quote: r4space
          Imagine that the bank did not give your pension / salary / scholarship or transfer from the client whom you served. How will your life change if you refuse to serve you with banks in the modern world? Although it is possible that you are engaged in subsistence farming .... however, how can you pay tax on your land in this case?

          I don’t keep all the eggs ... sorry money in one bank. If the bank does not return, I will turn to the DIA. Deposits are insured in our country.
  24. avia1991
    avia1991 22 March 2018 09: 43
    +1
    The author is a supporter of the speedy implementation of the blockchain, it is time to put snickering bankers into the stall.
    But how well does the author understand the essence of the cryptocurrency economy? .. I do not tease - I ask, because I myself do not understand all the intricacies, but I think that financiers will be able to figure out how to put this system on their own "at the service" .. In my opinion, a more effective educational measure is the banal execution of snickering bankers negative . And Nae ... biullina - first of all!
    1. mac789
      mac789 22 March 2018 10: 07
      +2
      Blockchain is when the real results of your real work are recorded in the “brains” of some computer, and then they start running from computer to computer over the network.
      That is, you don’t even get money - instead of them is a set of zeros and ones moving around the network.
      In the process of winding, they may get lost ....
      And who controls the process? And who controls the controllers? And who controls the controllers of the controllers? And who controls the controllers controllers controllers? wassat Program? And who controls the program?
      In general, this is another type of relatively honest withdrawal of money ...
    2. luk
      22 March 2018 10: 37
      +2
      Read my articles in the series Homeland: Digitalization or Death. There are three on this resource.
  25. evil partisan
    evil partisan 22 March 2018 09: 59
    +5
    Banks were also in the Soviet Union and they really performed the function of cash flow operators. If modern banks are deprived of the opportunity to receive loan interest for their activities, then the entire banking system will start working for the state, and not for itself, and you will need to “clean” the banks, catch fugitive bankers, etc., etc.
    1. SPACE
      SPACE 22 March 2018 15: 44
      +1
      Quote: Angry Guerrilla
      The Soviet Union also had banks and they really performed the function of cash flow operators. If modern banks are deprived of the opportunity to receive loan interest for their activities, then the entire banking system will begin to work for the state, not for itself

      So, for the fact that I tore my ass off my beloved sofa, in order to calculate your money, you have to pay any price for me, I also want to eat ... wink
      1. evil partisan
        evil partisan 22 March 2018 20: 17
        +3
        Quote: SPACE
        you have to pay for any of me

        ZP - please! fellow But loan interest - am
        1. SPACE
          SPACE 23 March 2018 13: 06
          +1
          Quote: Angry Guerrilla
          ZP - please! But loan interest -

          It is the same hi
  26. glenffidik
    glenffidik 22 March 2018 10: 20
    +2
    Cho, again, the boyars are bad?
    1. avia1991
      avia1991 22 March 2018 20: 26
      +2
      What did you think ?! They imposed, scum, honest and decent - they lie to him in the eye, and he is so gullible ...
  27. sib.ataman
    sib.ataman 22 March 2018 11: 09
    +3
    Quote: Golovan Jack
    Quote: sib.ataman
    Having already been paid no more than 3 months, although I work every day for 13-14 hours with a couple - three days off for a month, without holidays ... and the owner will have an answer arrogant and simple-do not like it, wali

    Liked the "answer will". And so - endured, he endured in Africa ...
    Quote: sib.ataman
    So what to do?

    Change jobs and stop whining. Or - stop whining, and change jobs.
    In this case, "from permutation ... does not change" yes


    And did you name a lot after 60? Or just give away tips for free?
    Not whining, but shared! I solve my problems without outside help! And from advisers some drool-slippery during acceleration!
    If I were sitting all 60 in one swamp, I probably would have taken criticism, but over the decades I maneuvered so much that there is something to compare and draw conclusions with! Not many of my colleagues and classmates can boast a similar amount. And quality, to a certain extent, is an element of good luck and luck.
    1. Golovan Jack
      Golovan Jack 22 March 2018 20: 45
      +5
      Quote: sib.ataman
      Not whining, but shared!

      Re-read your comment ... those. He shared negative
      Quote: sib.ataman
      And quality is, to a certain extent, an element of good luck and luck

      In very small. But basically - if you don’t sink, you won’t.
      Okay ... nothing to talk about stop
  28. vik669
    vik669 22 March 2018 11: 28
    0
    I waited and believed, I think for a year, and went and checked with a tripper to go - you won’t throw words out of a song, so wait and ...!
  29. atos_kin
    atos_kin 22 March 2018 12: 04
    +1
    What is waiting for Russia? Degradation or a bright future?

    A hint from the photo of the mausoleum is valid: i.e. if you put the brightest in the mausoleum and take the money for entry, then Russia has a bright future.
  30. andy.v.lee
    andy.v.lee 22 March 2018 12: 13
    +4
    As long as oledurhat is in power, when about 100 people own more than 70 percent of the country's wealth, there will be nothing good.
  31. Tektor
    Tektor 22 March 2018 12: 32
    0
    A bright present awaits Russia!
    In a century.
  32. Mengad
    Mengad 22 March 2018 12: 58
    +3
    Quote: rotmistr60
    The ratio of banks to the population is probably no different in other countries. For the banker, the main thing is% profit, and therefore other questions are not of interest to him. But Gref ("a Russian statesman of German descent") should be seriously considered.

    They’re different ... and at the same time, fundamentally. Here I immediately had a question for you: Tell me please? Have you most likely contacted the banking system in the Russian Federation, Credit mortgages, etc.? Dragon interest and all that. But if you are vaguely talking about Western banking system and compare it with the Russian Federation system .. then excuse me ... you are a fool I’ll just give you an example and then think for yourself ... Sberbank in the Czech Republic gives a mortgage of 2,29% .. in Russia? Do you know why? Yes because that this is regulated by Czech law! Question! What is stopping your Mr. Putin from doing the same in the Russian Federation? Ah? Just think ... I’m not talking about rates in other countries, you want to be smarter .. you will find the info yourself .. but no? God you judge .. all the best.
  33. Mengad
    Mengad 22 March 2018 13: 02
    +1
    Quote: avia1991
    Quote: SPACE
    Judging by some articles and comments on them, this future has already come.

    ..And it’s convenient to comment like that while sitting under the Canadian flag, right? .. Although, before, you had a Shtatovsky hanging. self-determination problem? wink

    I have the flag of Germany but it’s not my IP? So what now? Is this an indicator for you?
    1. avia1991
      avia1991 22 March 2018 20: 32
      0
      Quote: Mengad
      Is this an indicator for you?

      Alex, don't get stuck laughing
      I periodically dive with the Cosmos, and it is quite spiteless. Although our views differ in many ways ..
  34. Mengad
    Mengad 22 March 2018 13: 04
    +1
    Quote: mac789
    The money that is in the bank is the money of the bank. The Bank will think a thousand times whether to return your money to you from your account. And if he has at least the slightest chance of not giving them to you, the bank will not give them to you.

    Fortunately, there are reasonable people who understand this. drinks
  35. Mengad
    Mengad 22 March 2018 13: 12
    +1
    Quote: Varyag_0711
    Stanislas hi , I agree! I, too, did not read this nonsense to the end. Everyone imagines himself a strategist, seeing the battle from the side. This is what we call it.

    Sorry, your posts are sorry do not differ in logic ... well, whatever it was ... for your development of logic ... I would recommend you to watch this video ... and think logically ... if you are capable of it.
  36. Radikal
    Radikal 22 March 2018 13: 21
    +3
    Quote: antivirus
    already in the 70s it sounded-- "no one promised to feed you on the way to Communism."

    and now - no one promised to lead free into a bright democratic future

    Where are you, and from whom did you hear this phrase, allegedly said in the 70s? sad
  37. Oleg Jacket
    Oleg Jacket 22 March 2018 13: 22
    +3
    to the author + wink
    although everything is clear laughing
  38. Tahtvjd2868
    Tahtvjd2868 22 March 2018 13: 28
    +5
    According to Vedomosti, “Paying Putin’s promise to increase some budget expenses may be offered to the population - the authorities uncovered a set of old ideas: raising personal income tax, introducing a sales tax, canceling VAT benefits for social goods, raising VAT while reducing social insurance contributions, told Vedomosti two federal officials and a person who knows this from the meeting participants. "
    All pre-election tales are over .. Fans of the Sun can rejoice! )))
    1. Vadim237
      Vadim237 22 March 2018 19: 26
      0
      PIT will not be raised for sure.
      1. avia1991
        avia1991 22 March 2018 20: 36
        +1
        Read government reports.
        Dvorkovich: "This is a small difference: 13 and 15%. People will not even notice this! I don’t think that because of this, many will rush to change the Fatherland "..
        Not exactly verbatim - but 95% said so.
        1. Thomas the Unbelieving
          Thomas the Unbelieving 22 March 2018 22: 00
          +1
          I am for raising taxes ... from the dividends and profits of the owners. I am for the abolition of taxes on income below the minimum wage.
  39. nnz226
    nnz226 22 March 2018 13: 31
    +2
    Bankers (not ordinary bank employees) are the first candidates for decorating lampposts ...
  40. Semen1972
    Semen1972 22 March 2018 13: 32
    +3
    As Medvedev said, "It's all some kind of compote."
    I myself am a client of several commercial banks (I refused from Sberbank, I do not like the service).
    And imagine ... I'm happy with everything! So, do I live in another country? No, the matter is financial illiteracy of the clients themselves. Well, with the advent of Nabiulina, on the contrary, the cleaning of banks began. HOW did the author skip this? And MFIs, those that give loans at crazy interest rates, are also sorted out .. But if the client himself .. I'm sorry ..... then no one will help.
  41. Altona
    Altona 22 March 2018 14: 10
    +3
    Quote: Semen1972
    You will be surprised .. but the bank does not have POWER over me personally .. Perhaps this is a special case, and the banks have power over you and others .. I can only speak for myself.

    ----------------------------
    You think so. Bankers begin to push through their laws and lobby for their interests, which are by no means your benefit — issuing rights and civil passports, issuing your biometrics to the bank, your social networks connections, and so on. This is the power over you. And in which case the bank will simply block your account under a far-fetched pretext. Of course, the bank has not yet forbidden you to sleep with your wife and chat with friends, but all kinds of chips such as juveniles are already pushing, because children are a huge market. This is what I had in mind.
    1. Golovan Jack
      Golovan Jack 22 March 2018 20: 52
      +5
      Quote: Altona
      ... a bank ... it pushes all sorts of chips like juveniles, because children are a huge market ...

      Is everything normal with your head?
      And on what fence did you rely on this? request
  42. Altona
    Altona 22 March 2018 14: 11
    +3
    Quote: Semen1972
    Well, with the advent of Nabiulina, on the contrary, the cleaning of banks began. HOW did the author skip this? And MFIs, those that give loans at crazy interest rates, are also sorted out .. But if the client himself .. I'm sorry ..... then no one will help.

    --------------------------------------
    Most likely a new section of the banking services market. It's like retail crowded out kiosks with beer and chocolates. Prescribed new regulations of trade and voila.
    1. avia1991
      avia1991 22 March 2018 20: 40
      +1
      Quote: Altona
      Most likely a new section of the banking services market. It's like retail crowded out beer stalls

      good I absolutely agree! .. And it’s much more convenient for the main “managers” to control finances: “what the hell is watching someone stealing on my territory if I can do it myself?” wassat
  43. Altona
    Altona 22 March 2018 14: 13
    +2
    Quote: Tahtvjd2868
    According to Vedomosti, “Paying Putin’s promise to increase some budget expenses may be offered to the population - the authorities uncovered a set of old ideas: raising personal income tax, introducing a sales tax, canceling VAT benefits for social goods, raising VAT while reducing social insurance contributions, told Vedomosti two federal officials and a person who knows this from the meeting participants. "
    All pre-election tales are over .. Fans of the Sun can rejoice! )))

    --------------------------
    The lessons with the deafening choice of "United Russia" in 2015 were in vain. They chose EP and they immediately began to introduce new fees.
  44. Forever so
    Forever so 22 March 2018 14: 19
    +2
    All Russian banks are just a tool to rob Russia of American partners. Moreover, ALL Russian authorities are GUARANTEES of the robbers.
  45. Sars
    Sars 22 March 2018 14: 51
    +2
    Judging by the main part of the comments, the selection of the Yudo-Bolsheviks 1918-1924 was successful!
    Let's remember when our respected seventy-percent President made the first “face lifting” (changed his main facial features), after he hinted that instead of the Central Bank it was necessary to organize a Russian “superbank” (2000).
  46. trophy
    trophy 22 March 2018 15: 26
    +2
    Quote: "After the just-held presidential election in Russia, it is worth considering the question of our common future. More precisely, the choice of direction." The direction was chosen 20 years ago. There will be no change. All that is described in the article is just one of the methods used to withdraw money from the country with the aim of personal enrichment of the "elite". Citizens need to learn to live autonomously from the current "Russian state", there is no other way. It is at least naive to hope for enlightenment in the king’s head, but it’s criminal in relation to your children, as by the way those who have torn their throats and asses for EBN now feel like criminals. But they have everything in the past, so to speak, "Lost illusions are also a valuable acquisition." And for the current adherents of GDP, this is yet to be. Learn from your mistakes the right "best." It's a shame for the state.
  47. Mengad
    Mengad 22 March 2018 15: 53
    +1
    Quote: Golovan Jack
    Quote: Stanislav
    ... which allows workers to call someone the master, endure his impudence, delayed pay and blame Putin for his uncomfortable position

    Plus good
    PS: The owner is just a private trader, that's fine now.

    Definitely! Plus! it’s irony ... if a private trader does not pay salaries to employees? There is a law ... what to punish for this ... But why does the law work so badly? Probably ... your leader ... still knows in what economic hole Russia is now. .and probably understands this private trader who does not pay salaries? Maybe this? Then of course ... what you take from the bare ... maybe ... this lawlessness is beneficial to him? In this way ... the person adapts ... to injustice ..and to injustice and their rights ... and lawlessness behaves more prosperous? huh? Do not pay attention ... just thinking out loud ... laughing
  48. Mengad
    Mengad 22 March 2018 15: 56
    0
    Quote: SarS
    Judging by the main part of the comments, the selection of the Yudo-Bolsheviks 1918-1924 was successful!
    Let's remember when our respected seventy-percent President made the first “face lifting” (changed his main facial features), after he hinted that instead of the Central Bank it was necessary to organize a Russian “superbank” (2000).

    Well, there is such a thing .. there is a lot of talk ... but there is no smoke without fire ...
  49. akunin
    akunin 22 March 2018 16: 00
    +3
    cheers patriots will now devour me. question: "who appointed nabiullina? and everyone knows the answer. without the participation of the president, credit - monetary policy is not carried out (nabiullina gun)
    At this time, a prominent banker can approach the President and happily report that, they say, we credit the population at a low interest rate, slightly higher than the Central Bank refinancing rate. Lies and fraud for the President!
    - a very poor leader if it is so easy to substitute, very gullible.
  50. Tula gingerbread
    Tula gingerbread 22 March 2018 16: 18
    +3
    Quote: Ascetic
    This is unstable work, unwarranted and low pay, unregulated working hours. No training, no social package, no labor protection.

    Absolutely true. In developed capitalist countries there are at least trade unions, and the Russian worker is also deprived of this.
    Out in France, when they wanted to change labor laws, millions of unions took to the streets.