Military Review

Our Central Bank - the most central bank in the world. Who does he serve?

111
In the Russian banking industry today, one may say, peace and quiet reigns. This is when compared with dashing ninetieth or with the situation of two-, three years ago. Silence, most reminiscent of the cemetery, where virtually everyone except the elect has a place prepared in advance. And the right to survive is left to very few.


However, what is the general case of a simple citizen to credit institutions? There is Sberbank with its monopoly concern for consumers and the public sector, there are still three or four dozen credit offices servicing a limited number of "their" clients. In any case, it is more than it was under the USSR. And for every fireman there are also several branches of foreign banks operating exclusively according to Russian rules.

So is it worth worrying? And you never know that the late Prime Minister Yegor Gaidar and his companions once sang to us, who, like "Chicago boys," will soon be remembered only by pensioners! From the number of survivors. And the Russian loan is expensive and merciless, as it was with us, it remains so. Even in the mortgage, which just gave young people a little sigh and immediately began to rise again, like a yeast. But god with her, with a mortgage. After all, the rows of hooks no longer need replenishment. And all those who did not have time to pay on time will now pay for themselves and for those who will never be able to pay.

This is the result of the collapse of the banking business, stimulated by a large-scale sweep from the Central Bank. Which finished, or rather, still finishes under professional pretexts to ensure the stability of the financial sector and adequately respond to Western sanctions. Only the lazy is not talking about the dangerous tendency for the banking community to collapse, but Academician Dmitry Lvov (now deceased) and one of the authors of the economic miracle of 90’s end Viktor Gerashchenko, who headed the Bank of Russia, warned about it.

Our Central Bank - the most central bank in the world. Who does he serve?


By the way, Viktor Vladimirovich, an ardent supporter of state regulation in economics and finance, continues to express doubts today about whether the Russian banking sector needs such a powerful introduction of the public sector into the financial sector. However, in his opinion, even this is not the main thing now: it is frightening that the monetary sphere, which is always extremely sensitive, goes further and further away from real market relations. The work on saturating the economy with working money is replaced by direct pressure on the monetary sphere and the notorious sterilization of the money supply.

Vice-President of the Association of Banks "Russia" Alexander Khandruyev, who for a long time occupied the post of Deputy Chairman of the Bank of Russia, notes that both the budget and the reserves of the Central Bank continue to replenish ahead of schedule, which does not prevent the authorities to cynically increase the retirement age and introduce 2-percent VAT increase, the most stimulating inflation. And this inflation will subsequently be stifled again, reducing the money supply, which leads not only to the impoverishment of the population, but also to the bleeding of the economy as a whole.



And all this seems to be done for the sole purpose of bringing the cohort of the elect, which is particularly numerous in the financial sector, beyond the bounds of market competition. Since the reorganization has been actively practiced in the Russian banking system, more than 10 years have passed, and recently it has been actively camouflaged to fight corruption or anti-banking measures. However, that in our time in general, we can talk about the fighters against corruption or sanators? Who are they? How are they selected? Few people have doubts that these elected people have the exact situation with corruption and with anti-sanctions measures exactly the same as those whom they will sanitize or remove from sanctions.

By granting the rights of fighters to sanctions, to corruption, and finally to the rights of sanators to a narrow circle of the elect, the Bank of Russia widely informs everyone that it has to recruit them almost by force. The situation corresponds exactly to the long-standing thesis voiced by one of the suppliers of “sanctions” to Russia: “If there were no sanctions, they should have been invented!”

Recently, the Association of Russian Banks commented on the list of credit organizations that already were or became sanators: “These are either those who had their own people at the top, or those who had someone from the supervisory departments of the Bank of Russia in the management”. However, we must take into account that after what our “central bank in the world” has done with the Russian banking industry, the number of sanitized seems to be generally less than the number of sanators.

It is considered an axiom that the ugliest kind of market relations are relations built on the basis of friendly relations. Crony Banking is literal translation crony banking. What we now have is the banking sector solely on the basis of personal connections. Many countries have gone through the use of the practice of “Too Big to Fail”, that is, the allocation of systemically important banks.



We began to practice even before the default, after which the then Central Bank not only crushed the “seven bankers”, but also helped to raise a number of regional and sectoral credit organizations. But fatty 2000s passed, crises passed, sanctions began, and a reorganization campaign and a reduction in the number of banks in Russia started, started with the suggestion of the “Iron Lady of the Central Bank No. XXUMX”.

As a result, almost everyone who managed to climb a little, went either into oblivion or under the "roof." Not a gangster, but a state one. At the same time, many banks with revoked licenses continued and often continue to work today, they are pumped up with money, but not for affected customers, but for new owners, who seem to take on all the problems of depositors.

In fact, if anyone takes on their problems, at best, the Deposit Insurance Association (DIA), which, by the way, at the very first attempts to raise the calculation threshold with ordinary customers, "physicists" almost ran out of money. Sanators, save, they sounded the bells in the DIA. Sanators and saved, and save now, with both sanitized, and those who allegedly lost something because of the sanctions. At whose expense? At the expense of the budget, at the expense of the reserves of the very Central ”, which means for ours with you, dear readers.

The central bank overlooks the blatant discrimination of depositors of those banks that are not part of its system. But after all “either for everyone or for anyone” - this is how a healthy system with healthy competition should work. And the central bank lays one after another time bombs, and at the same time it also beautifully accounts for placing cash surpluses in the most reliable (American), from the Federal Reserve, assets.

Some of the writing colleagues have already compared our "most central" of all the banks in the world with the twelfth reserve bank included in the Fed system. Fully responsible for the state of "Rush" and a little bit - for the surrounding territory. Not so long ago, it seemed that the overflow of funds and the flow of customers — both individuals and legal entities — into the “systemically important” banks is ending. But in fact, the process continues, although not so clearly. And what does it mean when funds flow, what does it mean when customers leave. This is a loss in capital, a decrease in turnover among clientele. The economy, and so utterly bloodless, generally turns into an empty minimarket.

The share of state banks in aggregate banking liabilities, according to estimates by the Association of Regional Banks “Russia”, increased not so long ago to almost 90 percent, and it was somehow tried to be eroded, pushing funds through a little less “authorized” structures. There are no such crazy rates of concentration of bank liabilities anywhere in the world, even in China. But there already a couple of times it was necessary to actually pierce huge banking bubbles, and the trade war with the United States, in a sense, even turned out to be useful - there was a use of excess funds.

In China, they went to reduce the retirement age for a number of professions, but instead of taking an example from China, as well as from Italy and Poland, they prefer to keep silent about such steps. And this is despite the fact that Russia does not really have serious debts, a lot of financial reserves, a budget deficit only because of the peculiarities of the calculation, and oil and gas revenues are guaranteed for many years to come. But the Central Bank, as it frightened the public with inflation because of every extra penny paid to Saratov pensioners or nurses from Transbaikalia, is frightening.



The banking system is simply kept on a short leash, under the permanent threat of a large-scale crisis. And if it breaks out, the United States with its Federal Reserve will be guilty, that the Trump administration will immediately register itself in whists, and anyone else else, but not our very Central Bank in the world.

The Central Bank of the Russian Federation has not yet decided what the reorganization is, what is the anti-crisis or anti-bank management of the wards, and even what “toxic assets” really are for a long time. Have they been, and now they are gone, only the risk ones remain - those with whom you can fly under sanctions even in the Cyprus offshore?

Now, when the flywheel of inflation due to VAT and other gifts-2019 is just starting to unwind, a lot depends on how the cohort of the elect will continue to be formed - this pro-state banking stratum, compared to which the all-powerful “seven bank” spurs from the gateway. But we have no idea what the financial position of our state and semi-state banks is. And if the entire banking system merges into the top twenty, or, at best, the top thirty elected, how can it work at all?

Once in Russia, there were once thought up the maximum levels of concentration, they were remembered about them in 2008, but we simply do not have such norms. And it would be necessary, if we are playing to the Fed’s tune, we would have put the same barriers, but better - lower. It’s not the same as Russia. When, after the same 2008 crisis, the oligarchs were simply handed out anti-crisis billions, the central bank simply blessed almost two hundred not the biggest Russian banks with loans at their discount rate. And they returned everything. Not immediately, but returned. And the oligarchs returned? Nobody knows?
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  1. Altona
    Altona April 3 2019 14: 35 New
    +40
    Why write such articles? And so with the Central Bank and the Government, everything is clear. How they nabiuli us and nabiuliut as they want. And so hatred for them is such that I can’t eat.
    1. A1845
      A1845 April 3 2019 15: 02 New
      -14
      the article is biased and poorly reasoned, everything is piled up and contains nothing apart from negative emotions
      1. Vladivostok1969
        Vladivostok1969 April 3 2019 15: 05 New
        +8
        Have you read between the lines?
      2. ochakow703
        ochakow703 April 3 2019 17: 57 New
        +15
        Yeah, the article is bad - “causes negative emotions,” and life around is a solid positive! In your opinion - you have to rejoice and believe, right?
        1. A1845
          A1845 April 3 2019 18: 08 New
          +2
          Quote: ochakow703
          need to rejoice

          it is necessary to speak objectively and to separate flies from cutlets
          1. Vladimir 5
            Vladimir 5 April 4 2019 12: 21 New
            +9
            A1845. The problem is that there are only flies, cutlets were not found ... That’s why the Russian economy stagnates with such extra revenues from the export of hydrocarbons and other riches of ALL CITIZENS of the Russian Federation, and the profit is taken away, and through the Central Bank of the Russian Federation, a handful in power, and to the people: " no money.".....
        2. Vadim237
          Vadim237 April 3 2019 18: 55 New
          -5
          Those who have positive emotions and those whose work is positive are beloved, their life is positive.
          1. The comment was deleted.
          2. aybolyt678
            aybolyt678 April 7 2019 01: 31 New
            +1
            Quote: Vadim237
            Those who have positive emotions and those whose work is positive are beloved, their life is positive.

            lucky!
            1. Spnsr
              Spnsr April 10 2019 08: 05 New
              0
              Quote: aybolyt678
              Quote: Vadim237
              Those who have positive emotions and those whose work is positive are beloved, their life is positive.

              lucky!
              I see his invisible hand did not touch the market laughing or a person is too distant from reality
              1. aybolyt678
                aybolyt678 April 10 2019 08: 11 New
                +1
                in any case, he is far from the average Russian
        3. ssergn
          ssergn April 9 2019 15: 48 New
          0
          Objectivity is needed, not positive-negative. This is generally a level of perception. As they say, the taste and color of all the markers are different.
      3. ssergn
        ssergn April 9 2019 15: 46 New
        0
        I agree, I expected more from the doctor of economics. If you write such articles, then at least rely on some real numbers and statements. At least the official (the other is not). But no, some pompous phrases.
        In general, the article is pseudoscientific populism, the level of Komsomolskaya Pravda and Express-newspaper.
    2. New Year day
      New Year day April 3 2019 22: 02 New
      +19
      Quote: Altona
      nabiuli us and nabiuliut as they want.

      Alexei Kudrin was named the best minister of finance in the world (2004).
      Chairman of the Russian Central Bank Elvira Nabiullina named the best banker in the world
      (2015)
      Why is there "no money?"
      1. aybolyt678
        aybolyt678 April 7 2019 01: 22 New
        +2
        Quote: Silvestr
        Alexei Kudrin was named the best minister of finance in the world (2004).
        Chairman of the Russian Central Bank Elvira Nabiullina named the best banker in the world
        (2015)
        Why is there "no money?"

        Or are they really the best? just not for us?
      2. Alber
        Alber April 9 2019 14: 11 New
        0
        Quote: Silvestr
        Quote: Altona
        nabiuli us and nabiuliut as they want.

        Alexei Kudrin was named the best minister of finance in the world (2004).
        Chairman of the Russian Central Bank Elvira Nabiullina named the best banker in the world
        (2015)
        Why is there "no money?"

        Because the Central Bank Serves Naglosaxon Zionofascism
    3. g1v2
      g1v2 April 4 2019 13: 37 New
      +3
      Why write articles? To dump the one who interferes with customers. It has always been so. The Central Bank crushes private banks like bugs. Licenses are revoked almost every week. It was 1200 ten years ago. Now it’s less than 500 and the goal is to reduce their number to about 300. The main part of the banking sector is being stupidly nationalized. At one time, when the deputy chairman of the Central Bank closed only one bank, the owner of this bank sent killers to him and killed him. And then 600 banks were crushed, through which billions of dollars were pumped and laundered. request And everyone has owners, there are people who pumped money through them. They cannot kill Nabiulina. Behind her is Putin. This is his man. It remains to be destroyed or informational, for which the layman “experts” broadcast around the clock that the evil Central Bank is ruining the economy and offends honest bankers. Or make the Central Bank go under the Ministry of Finance. from which the Central Bank is now autonomous. There, through influential people in the Ministry of Finance, it will still be possible to put pressure on the Central Bank. Here for this and similar articles are written. request But they are unlikely to give a result. And the bulk of the work has already been done. Two years and the bank purge will end.
      1. Vladimir 5
        Vladimir 5 April 6 2019 21: 53 New
        +2
        g1v2 ... It does not matter who is behind whom, it is important that the Russian economy stagnates for financial reasons, that is, the absence of at least acceptable loans, sufficient money supply, because the use of such loans will bankrupt anyone .. In the USA, loans are often almost zero percent for industry and stuff. So the question is, the Central Bank of the Russian Federation independently ruins the economy of the Russian Federation, or as a body that is under the jurisdiction of the Fed. executes orders. The GDP here is also in an unsightly form, The economically weak Nabiullina was appointed, as the vice chairman, to turn the Yudaevs and other deputies, graduates of groups from Ieyl USA ... According to Nabiullina, I judge according to the spacious program of V. Pozner and Nabiullina, there was a mouse without her brains, "- it looked like ...
      2. aybolyt678
        aybolyt678 April 7 2019 01: 21 New
        +1
        Quote: g1v2
        There is a stupid nationalization of the main part of the banking sector

        can monopolization?
      3. ssergn
        ssergn April 9 2019 15: 54 New
        0
        When the Central Bank crushes cans, there is no smoke without fire. In the Urals, Uraltransbank recently slammed, then my opinion - it was necessary earlier, about two years ago. And do not wait for billions to fall out due to frauds with reporting. So whining about "poor bankers" is just a whining. The same FC Otkritie, well, after all, they have gone too far. The story of how sanators became rehabilitated. laughing
        1. g1v2
          g1v2 April 10 2019 00: 33 New
          +1
          According to the bank, the opening situation is twofold. Through it went pension payments to the post office. But then the state decided that pumping pension money through a private bank was unprofitable and VTB opened a Post Bank and pensions went through it. And in the bank of Opening, a huge hole formed. Moreover, loans and so on were taken under retirement money. Th, on the one hand, the state of him sank, on the other hand, it saved him. request
    4. alekc73
      alekc73 April 4 2019 18: 25 New
      -2
      We must strive for the best. We remembered about V. Gerashchenko. As the mood rose, we have normal bankers.
  2. Chichikov
    Chichikov April 3 2019 14: 37 New
    +11
    It seems to me that it is also necessary to look and analyze the accumulation of gold and foreign exchange reserves of Russia, in the context of prohibitive sanctions, and how the Central Bank of Russia is involved in this. As for the “fight against banks”, this stage had to be passed back in the XNUMXth century; today, the fight against the withdrawal of capital to offshore by officials-embezzlers is more relevant.
    1. Altona
      Altona April 3 2019 14: 45 New
      +25
      Quote: Chichikov
      it is also necessary to look and analyze the accumulation of gold and foreign exchange reserves of Russia

      ----------------------
      In general, a full audit of the economy and industry should be done if, according to home-grown pro-Kremlin analysts, the bourgeois RF is “preparing for war” and supposedly ripping off the population. If you are preparing for war, then you need to withdraw funds from the rich, not the poor. How Lenin and Stalin withdrew funds to Gokhran and then used them for industrialization. And if you let your friends eat three throats, rip off the population and at the same time "prepare for war", you will get a new Tsushima and Mukden, not Berlin and Paris. To do this, just look at the new and recent history.
      1. Vadim237
        Vadim237 April 3 2019 19: 02 New
        -8
        No war - May decrees of 27 trillion, half of this money from the budget, the rest half from business - what are you going to seize from whom, and most importantly, under what pretext, but what really needs to be withdrawn is taxes from 30 million, which are constantly cheating with salaries and other profits by 20 trillion rubles, and for one bureaucratic apparatus to reduce by 60 percent, but give free benefits to everyone, one with a bipod, three with a spoon.
        1. private person
          private person April 4 2019 12: 38 New
          +1
          but what really needs to be withdrawn is taxes from 30 million, which are constantly cheating with salaries and other profits of 20 trillion

          This is certainly correct, but how. It is advantageous for the employer to pay in "envelopes" and the employees have nowhere to go, otherwise you will lose your job. Here is an example: I work in a state organization, pay taxes and all that s / n 25-30 thousand. and the contractors that work for us pay their workers 60-70 while they do not have official employment and that suits them.
      2. aybolyt678
        aybolyt678 April 3 2019 19: 27 New
        +1
        Quote: Altona
        It is necessary to do a full audit of the economy and industry.

        Who? Who can do it? Where is such a party?
      3. Spnsr
        Spnsr April 10 2019 08: 24 New
        0
        Quote: Altona
        Quote: Chichikov
        it is also necessary to look and analyze the accumulation of gold and foreign exchange reserves of Russia

        ----------------------
        In general, a full audit of the economy and industry should be done if, according to home-grown pro-Kremlin analysts, the bourgeois RF is “preparing for war” and supposedly ripping off the population. If you are preparing for war, then you need to withdraw funds from the rich, not the poor. How Lenin and Stalin withdrew funds to Gokhran and then used them for industrialization. And if you let your friends eat three throats, rip off the population and at the same time "prepare for war", you will get a new Tsushima and Mukden, not Berlin and Paris. To do this, just look at the new and recent history.

        agree with you.
        4% inflation doesn’t seem to flow back into the economy, but runs straight abroad!
        example, after the announcement of subsidizing mortgage rates, apartment prices rose 15%
        the question is, have new construction sites, or factories for the production of building materials? But the money received, but not the workers, the salaries of the builders remained the same! even 4% nini
        1. Spnsr
          Spnsr April 10 2019 08: 40 New
          0
          communal workers! they say that with an increase in supply, prices should fall, in Russia millions of square meters of housing are commissioned every year, this is an increase in gas consumption of electricity, water, utilities, but prices are rising, it seems that only the nouveau riches are preparing for war, funds abroad laughing
    2. YarSer88
      YarSer88 April 3 2019 15: 33 New
      0
      Quote: Chichikov
      as for the “fight against banks,” this stage had to be passed back in the XNUMXth century; today, the fight against the withdrawal of capital to offshore by officials-embezzlers is more relevant.

      On the one hand, I agree, on the other hand, under the guise of fighting against cash and dubious transactions, they covered many competitors of the “chosen” banks. It is no secret that banks with state shares have now significantly "grown up", and not only on the stock exchange, but also in terms of financial results. In part, the author of the article is right, with good intentions, laid the road to hell. However, the goals still achieved, it became more difficult to cash out, many began to work "in white". The same thing with the money supply - do not squeeze it, the enterprises would have an excess of liquidity that would flow to Cyprus-Virginia, and so, when the barely urgent creditor is closed, there is no time for withdrawal. Now release the Central Bank money supply - the process will resume. It turns out, and so not so, and so not so, that’s chosen from two evils.
      Quote: Chichikov
      It seems to me that it is also necessary to look and analyze the accumulation of gold and foreign exchange reserves of Russia, in the context of prohibitive sanctions

      This moment is ignored by many, but it does not fit very well into the theory of a “bad central bank that does not know how and works in the interests of the Fed.”
      1. Ingvar 72
        Ingvar 72 April 3 2019 17: 20 New
        +7
        Quote: YarSer88
        covered many competitors of "selected" banks

        But the rest as caressed! The program "Family car compensates the interest of the bank, and is not available for buying cars for cash. In the mortgage sector, the same garbage. That is, the state encourages to take more loans, providing profit to banks. hi
        1. YarSer88
          YarSer88 April 3 2019 17: 27 New
          +2
          hi Due to the inflated key rate, the banks began to “hang up”, they are trying to attach them at least somehow, but this is another problem, it’s not so much feeding their wards as minimizing the consequences of the situation created by themselves - falling demand for borrowed funds from the business due to the high cost and lack of growth points.
          1. Ingvar 72
            Ingvar 72 April 3 2019 17: 29 New
            +1
            Quote: YarSer88
            falling demand for borrowed funds

            Those. falling profits of banks? wink
            1. YarSer88
              YarSer88 April 3 2019 17: 51 New
              0
              In fact - yes, falling profits of banks. However, this fall is connected precisely with the decisions of the Central Bank, because the state is trying to somehow support the banks. Personally, I regard this as redress, and not as
              Quote: Ingvar 72

              But the rest as caressed!
        2. Spnsr
          Spnsr April 10 2019 08: 41 New
          0
          Quote: Ingvar 72
          Quote: YarSer88
          covered many competitors of "selected" banks

          But the rest as caressed! The program "Family car compensates the interest of the bank, and is not available for buying cars for cash. In the mortgage sector, the same garbage. That is, the state encourages to take more loans, providing profit to banks. hi

          another chip from the grabbers
      2. aybolyt678
        aybolyt678 April 3 2019 19: 33 New
        +2
        Quote: YarSer88
        it doesn’t fit very well into the theory of a “bad central bank that doesn’t know anything and works in the interests of the Fed.”

        The Central Bank supports such a financial system in which all money goes abroad, production is not profitable for anyone and raw materials are mined in record volumes, all shelves in supermarkets are filled with imported goods. Isn't that the Fed's best interest? And do sanctions against officials really affect the gold reserves?
        1. YarSer88
          YarSer88 April 4 2019 09: 57 New
          +1
          Your statement looks very strange, given that the Central Bank just did everything so that the money was very expensive to withdraw. It was not profitable for us to open production since 1991, since then nothing has changed in this regard - at first there was cheap import with expensive loans, now there is a low income level and expensive loans, as well as complete insecurity of the owner. So, the insufficiency of the money supply, which is taking place these days, precisely because of the Central Bank’s fault, is far from the root cause of such a situation.
          Quote: aybolyt678
          Isn't that the Fed's best interest?

          It is in the interest of the Fed to increase the debts of the US budget, as they earn on it. Our problems with liquidity are on their drum, to be honest. It is more profitable for the USA to give us loans, sell our goods to us for these loans, and then issue new loans to pay interest on old ones. So far, I do not see us lending to the United States or increasing trade with them, so it is unlikely that the Fed, if it had an influence on us, would act in that vein. We don’t have to blame the nearness of our managers on the Fed, our problems are not because of betrayal, but because of stupidity and inexperience, since key posts are not competent managers, but loyal and tested. Putin needs control at all levels than management effectiveness, this is obvious.
          1. aybolyt678
            aybolyt678 April 4 2019 11: 30 New
            +3
            Quote: YarSer88
            In the interest of the Fed to increase the debts of the US budget

            look at the situation from the other side. Our money is tied to American. Even economic news is exchange rates and stock quotes instead of reports on the construction of new plants. The question is what is the money? is it a hypostasis of the dollar or a function of productive labor?
            Quote: YarSer88
            Do not blame the Fed on the nearness of our managers,

            Assuming that "our" managers actually work for them !!! then they are very competent! And to get to this level you need to have certain talents.
            Your statement looks very strange, given that the Central Bank just did everything so that the money was very expensive to withdraw.

            what prevents to pay for purchased goods? everything imported in the country is 90%!
            1. YarSer88
              YarSer88 April 4 2019 12: 30 New
              0
              Quote: aybolyt678

              look at the situation from the other side. Our money is tied to American. Even economic news is exchange rates and stock quotes instead of reports on the construction of new plants. The question is what is the money? is it a hypostasis of the dollar or a function of productive labor?

              Money is a means of calculation. This is a tool to bring the value of various objects / actions to a common denominator, including labor (time, effort, knowledge). The dollar is also money. Our money for us is not tied to anything, and international reserves that ensure the value of our money in international settlements are the equivalent of a gold reserve. That is, we can create reserves both in gold and in currencies recognized worldwide as reserve ones (dollar, euro, yuan and so on, there are several of them). Again, we can not create reserves, but withdraw the currency from exporters and give them to importers at the domestic rate, then we will not need international reserves, but it will be possible to exchange the ruble for other currencies only from the state, or on the black market at a frantic rate. This is not a very healthy approach, however, such a scenario is theoretically possible. Moreover, in our country the ruble will remain money (conditionally, of course, since our economy is not a closed system).
              Quote: aybolyt678
              Assuming that "our" managers actually work for them !!! then they are very competent! And to get to this level you need to have certain talents.

              Then they are also not competent - the most logical action would be to flood our economy with loans issued by US banks and conclude contracts with companies controlled by key figures in the USA (for example, for the supply of defense products, under the pretext of poor quality of their own), to cancel foreign exchange control on transactions with American companies and watch how our money flows into the US economy. A vivid example is Ukraine, it works exactly according to this scheme. We have the exact opposite picture.
              Quote: aybolyt678
              what prevents to pay for purchased goods? everything imported in the country is 90%!

              And where does the Central Bank and payment for goods? Well, things are generally from different areas. Moreover, the purchase of goods is not a withdrawal of money, but we exchange one value for another, and the conclusion does not imply the transfer of value for money. Withdraw, as a rule, for rent or as dividends to a foreign founder. The Central Bank has now created a situation where everything is in debt like silk - sales go to receivables, not money, as a result, there is nothing to withdraw, money is barely enough to close urgent debts. So far this is a really working scheme to complicate the conclusion.
              1. aybolyt678
                aybolyt678 April 4 2019 18: 43 New
                0
                Quote: YarSer88
                Our money for us is not attached to anything,

                here you are very mistaken. The main task of the Central Bank is to ensure that the number of circulating rubles in the country corresponds to gold reserves.
                Quote: YarSer88
                Money is a means of calculation. This is a tool to bring the value of various items / actions to a common denominator
                - that’s the problem that the amount of money in the country does not depend on labor, technology, talents .... but on stocks in the Central Bank.
                Quote: YarSer88
                Then they are also not competent - the most logical action would be to flood our economy with loans issued by US banks and conclude contracts with companies controlled by key figures in the USA

                this is exactly what is happening now, only these actions come up against the quiet but fierce resistance of various sections of society, including the managers themselves understand that if everything is surrendered, then there will be nothing left for them.
                1. YarSer88
                  YarSer88 April 4 2019 18: 57 New
                  +1
                  Quote: aybolyt678
                  here you are very mistaken. The main task of the Central Bank is to ensure that the number of circulating rubles in the country corresponds to gold reserves.

                  This is true, in international calculations the cost of the ruble mass is equal to the size of our gold reserves adjusted for risks (depending on the ratings of the top three agencies). But I knowingly wrote "Our money for us - they’re not attached to anything "- for internal calculations, a link to gold reserves is not needed if we are talking about internal calculations without import. We have imports, so we are forced to pay attention to the exchange rate of our currency in the world, however, if we exclude import, it will be established price in rubles, which will not be dependent on gold reserves. A vivid example is derivatives torn off from any common sense, such as gold certificates, for example, or futures for a currency that cannot be exchanged for this currency, are simply redeemed before espiration. and there is the very money that was not secured by anything other than a mutual agreement. We are not tied to the dollar by the US Federal Reserve, but just by import. For example, in the USSR the ruble was not tied to anything, because there were no goods and access to the currency domestic people went to the people.
                  Quote: aybolyt678
                  that’s the problem that the amount of money in the country does not depend on labor, technology, talents .... but on stocks in the Central Bank.

                  You confuse GNP and money supply. The country is richer the more GDP it has (I don’t like GDP, since it does not take into account our foreign production, although it more accurately reflects the situation inside the country), which depends on labor, technology, talents, and so on. But the money supply is not the wealth of the country, it is just a means of settlement, and it depends on the Central Bank, since it is the Central Bank that regulates it. But the size of the money supply itself - it does not testify to anything, this is one of the factors of doing business, no more. You can do without money supply at all (as in villages - change potatoes for onions and vice versa).
                  1. aybolyt678
                    aybolyt678 April 5 2019 11: 36 New
                    0
                    thanks for the answer! but more about that please:
                    Quote: YarSer88
                    But the money supply is not the wealth of the country, it is just a means of settlement, and it depends on the Central Bank, since it is the Central Bank that regulates it. But the size of the money supply itself - it does not testify to anything, this is one of the factors of doing business, no more.

                    - there are so many contradictions in the two sentences
                    1. YarSer88
                      YarSer88 April 5 2019 11: 44 New
                      +1
                      The money supply itself is a convention. The primary material values ​​are goods produced, services rendered, works performed, etc. The Central Bank controls only the money supply, it can only indirectly affect the commodity supply. Therefore, with your statement that the amount of money in the country depends only on the Central Bank, and not on the commodity mass (you wrote - labor, technology and talents), I agree, but it should be borne in mind that money supply is an instrument that does not directly affect the wealth of the country, and therefore there is no problem. The country's wealth depends on the values ​​produced, money - a means of calculation - does not depend on them, but depends on the regulator - the Central Bank.
                      1. aybolyt678
                        aybolyt678 April 5 2019 14: 09 New
                        0
                        Quote: YarSer88
                        The country's wealth depends on the values ​​produced, money - a means of calculation - does not depend on them, but depends on the regulator - the Central Bank.

                        I am glad that we finally came to a concensus! fellow And now, based on your thesis, it turns out that money does not depend on the production of values ​​in the country (I hope that you meant goods) but depend on a third force that does not depend on anything in our country. That is, the money that is a function of commodity production has ceased to be such a function? It turns out that some kind of evil will, depriving the money of the function they need, destroys our state? and this power of the Central Bank? is it true?
                      2. YarSer88
                        YarSer88 April 5 2019 14: 21 New
                        0
                        Quote: aybolyt678
                        That is, the money that is a function of commodity production has ceased to be such a function?

                        Here in this place, a contradiction arises between us. Money has not ceased to be a means of simplifying commodity exchange, although there are creeps in that direction. But in general, the function of money by money is fulfilled. You can still exchange goods for money, and money again for goods or services. And the money supply, as before, does not depend on the commodity mass. Here take the Middle Ages - how much gold was in the state treasury? Is it as much as wheat / armor / meat / etc. Is produced? Or how much gold could you get / plunder? At the same time, the country lived well if it has a lot of gold, or a lot of goods? For example, ancient Russia had little money, in particular gold, but we had our own values. When money was needed, we sold this product (furs, salt), and we had money, but money didn’t provide us with food, but grown bread, mined meat and honey. Therefore, I affirm that the state cannot be destroyed with money, that goods can be produced and exchanged without money at all, this will only complicate the production of the goods, no more.
                      3. aybolyt678
                        aybolyt678 April 6 2019 07: 49 New
                        0
                        Quote: YarSer88
                        Therefore, I affirm that the state cannot be destroyed with money, that goods can be produced and exchanged without money at all

                        I’ll try to explain. Imagine two states, in one they can make damask steel and cheap but high-quality shoes, plus it is farther south and there tea grows! in the other, everything is expensive but there is oil. With primitive trade, cheap but high-quality shoes at the beginning of relations will cost a lot in the northern state, because they cannot manufacture it, leather is more expensive for it, due to northern conditions, the same with steel, smelting in the southern conditions is cheaper, but northerners eat oil. Any attempts by the northerners to grow tea on their own, to make competitive shoes and damask steel break off due to the fact that some of them are changing cheap oil to goods from the south, the king put a sports enthusiast who pursues a very liberal customs policy, and believes that he cares about citizens, because, southern goods are cheaper! there is a situation like ours, when the state does not protect the domestic market. The banking system, through the dollar exchange rate, beneficial to foreign producers with the help of TNCs, is a harmonious logistic structure for the exchange of goods for raw materials! And your phrase that the state cannot be destroyed with money is wrong. There were situations in the world when wars went for the right to circulate someone else's currency. Money, in addition to being a medium of exchange, was originally a hypostasis of labor, and it is impossible to deprive them of this function. Import should not be cheap but should cost as much as its production in the country of import. Thank you for reading
                      4. YarSer88
                        YarSer88 April 8 2019 13: 15 New
                        +1
                        Very confusing explanation, but I realized what you had in mind. However, please note that this idea has not been relevant for 5 years now, since the devaluation of 14 years. Now, the dollar exchange rate rather favors exports than imports, since imported counterparts at one point rose 2,2 times (the dollar jumped from 30 rubles to 66 rubles). Regarding the argument that expensive shoes are bought for cheap oil, this is a topic for a separate discussion. One thing I can say - import is a two-edged sword, and this phenomenon lies in two planes: economics and politics, and therefore, the feasibility is assessed through a thorough analysis, far from emotions. You have emotional theses (sorry, of course, but it is).
                        Quote: aybolyt678
                        Money, in addition to being a medium of exchange, was originally a hypostasis of labor, and it is impossible to deprive them of this function.

                        The hypostasis (equivalent, you wanted to say) of labor is a product, not money. Money is a tool for assessing the benefits of a product for society as a whole. That is, labor is correlated with money through the product, if we are not talking about exchange traders, they make money bypassing goods, or gold diggers in the era of the circulation of gold as currency, they make money directly. The rest produce a certain value, for which they then receive money if they could sell this value. Otherwise, you can get to the point that the hour of work of a bully drawing graffiti on the wall and the hour of the artist creating a masterpiece worth several million dollars should be assessed the same way - in fact, this and that. Only the output product is different - on the one hand it is a painted wall that will have to be painted over, that is, the cost of the product in money is negative, on the other hand - a picture with a positive (and rather high) cost. Therefore, money will not be able to become the equivalent of labor; one cannot discard the stage of a product from calculation.
                      5. aybolyt678
                        aybolyt678 April 8 2019 14: 59 New
                        0
                        Quote: YarSer88
                        Money is a tool for assessing the benefits of a product for society as a whole.

                        let's look at the issue of price. Do you know that prices are rising? why grow? since primitive times, labor productivity has grown and prices have fallen .. and now, despite the growth of technology, they are growing. Price increases are the depreciation of money. Who raises prices? maybe they spontaneously grow? Have you ever seen price tags in a store grow by yourself? no! the one who floods the world economy with unsecured labor money and impoverishes our wallets with the help of inflation! whatever you decide to produce in our country, but buying abroad will still be cheaper. Therefore, I do not agree with your arguments. hi
                        And money has always been the equivalent of labor in commodity production. Although now there is an opinion that the share of labor has somewhat fallen and the total energy expended is of increasing importance.
                      6. YarSer88
                        YarSer88 April 8 2019 15: 31 New
                        +1
                        Quote: aybolyt678
                        Do you know that prices are rising?

                        Growing up is a normal occurrence for a healthy economy.
                        Quote: aybolyt678
                        Price increases are the depreciation of money.

                        And here I agree.
                        Quote: aybolyt678
                        Who raises prices?

                        Manufacturer - one, distributor - two, retail - three. For the producer, prices are rising as the communal and raw materials are getting more expensive, for which producers are again raising prices. Do you mean who is the source of price increases? And this is a philosophical question. One way or another, everyone is always trying to raise prices. Someone started, now this cycle is supported, that is, a kind of self-sustaining process. Moreover, this has little to do with labor productivity, no one will lower prices if their costs have declined while the market allows them to keep prices higher. Therefore, the decrease is rare and simultaneous, and the increase process is long.
                        Quote: aybolyt678
                        the one who floods the world economy with unsecured labor money and impoverishes our wallets with the help of inflation!

                        The Central Bank rather squeezed the money supply to the limit than flooded the economy, here you are very mistaken. However, inflation, as you see, is still there. In any case, it is not inflation itself that impoverishes you, but the fact that your income is not indexed for inflation. Let's be honest, if you earned 100 and spent 000, then with inflation 100%, if you earn 000 and spend 10 nothing will change for you. Another thing, if you start spending 110, and still earn 000. The trouble is in this, not in the rise in price. For the employer, this is the only opportunity to reduce wages for those who do not work, but create visibility. For those who work, their salaries are indexed for inflation, though not every year, but the rest are not reduced. However, if an employee does not ask, he will most likely not be indexed - but why? He is happy with everything.
                        Quote: aybolyt678
                        whatever you decide to produce in our country, but buying abroad will still be cheaper.

                        This is a very controversial statement. The same fruits and vegetables are much cheaper, the production of cars is cheaper, and therefore we open assembly plants. There is something that is more expensive - something that is not characteristic of our climate to grow, for example. We can grow coconuts, but it will be very expensive and of dubious quality. Also, if the technologies and equipment are less modern, labor productivity will be different and therefore the cost is different.
                        Quote: aybolyt678
                        And money has always been the equivalent of labor in commodity production.

                        In commodity production - yes, but this is rather the exception. And with the robotization of processes, this is no longer true. The work for creating an automatic line and maintaining its efficiency is much less than for a manual conveyor, the costs are spent more on consumables for the line and electricity. So this statement is very narrow, only for a specific niche with specific conditions. But the assertion that the equivalent of labor is a product, and money is a measure of the usefulness of a product, is broader and less contradictory.
                      7. aybolyt678
                        aybolyt678 April 8 2019 20: 54 New
                        0
                        you deviated from the topic: and the main question is whether the financial fraud of the Central Bank affect the decline in production in the country? let's decide on the question.
                        Quote: YarSer88
                        Growing up is a normal occurrence for a healthy economy.

                        in a healthy economy, at least in an isolated system, prices rise only in proportion to the increase in the quality of goods.
                        Quote: YarSer88
                        For the producer, prices are rising as the communal and raw materials are getting more expensive,

                        communal, raw materials - these are monopolies. Their growth is limited only by the fear of a political solution to the issue of price increases.
                        Quote: YarSer88
                        The Central Bank rather squeezed the money supply to the limit than flooded the economy, here you are very mistaken

                        it you are mistaken, or we did not define the terms. The Central Bank really squeezed the ruble money supply, keeping it in the amount corresponding to its reserves in gold reserves. He is not going to flood the economy. Inflation is due to the binding of the ruble to the dollar and not to production. I anticipate your question, and declare that it is not necessary to equate oil production with telephones and cars, comparing GDP.
                        Quote: YarSer88
                        The same vegetables and fruits are much cheaper, the production of cars is cheaper

                        about cars - it’s cheaper only nominally. If we compare the quality, then with the same quality we have more expensive. The 20-year-old Japanese woman corresponds to the 3-year-old priority in consumer qualities. If we compare prices then we need to compare the same quality.
                        Quote: YarSer88
                        And with the robotization of processes, this is no longer true. The work on creating an automatic line and maintaining its efficiency is much less than on a manual conveyor,
                        - the robotization of processes has incorporated the work of scientists, mechanics, and simply the whole many thousand years of experience of mankind, and for its service it requires a huge number of items that complete the raw materials ..... as well as the work of marketers, managers .. etc. However, if according to Marx, then the person who has freed up time should spend on creative work, but the existing system of educating consumers makes people spend their time on entertainment, hence the brake on progress, and the Banks strongly support the current system and rule the world, including depriving them of the game on the difference in exchange rates people of their profits and well-being
                    2. YarSer88
                      YarSer88 April 9 2019 10: 53 New
                      +1
                      Quote: aybolyt678
                      But the main question is whether the financial fraud of the Central Bank affects the decline in production in the country.

                      Well, let's define the term "financial fraud." The Central Bank performs the functions of a regulator, it determines the volume of the money supply - does fraud mean this function? It certainly affects, since the value of money indirectly depends on the volume of money supply, through the credit mass. The Central Bank also determines the refinancing rate - sets the cost of attracted capital - this also affects production. Or a conversation about the structure of the ruble, gold reserves? This does not affect production as a whole, only production for export, or the processing of imported raw materials, that is, only part of the market, and that is insignificant. Is this the root cause of the recession? No, it is not, and quite obviously it is not. The main reason for the recession in some industries and stagnation in others is a decrease in demand, which is caused by the closure of many foreign markets due to sanctions, as well as the contraction of the domestic market due to the inability to refinance abroad (through job cuts, not directly). In fact, there is only one global reason - in Russia one cannot store capital, only make money, the rest is a consequence. Capital does not accumulate corny, because the expansion of the money supply does not lead to anything except inflation. You can find as many excuses as you like, but as long as this is the case, nothing will change.
                      Quote: aybolyt678
                      in a healthy economy, at least in an isolated system, prices rise only in proportion to the increase in the quality of goods.

                      Not quite so, people always want to earn more than a year ago, sooner or later this leads to the creation of a vicious circle, when income growth overtakes production growth, then inflation begins. It may not be only in the administrative-command economy, where salaries and prices / tariffs will be set from above and they will be revised based on production in the whole country.
                      Quote: aybolyt678
                      Inflation is due to the binding of the ruble to the dollar and not to production.

                      The ruble is not tied to the dollar, but to gold reserves, where the dollar is only an integral part, and not the largest.
                      Quote: aybolyt678
                      I anticipate your question, and declare that it is not necessary to equate oil production with telephones and cars, comparing GDP.

                      GDP is the gross amount of money received from the sale of all products produced in the country. In this case, money does not smell: telephones, cars, oil, outdoor advertising, rolls - all in one heap and calculated based on their value. Therefore, your statement looks strange: how can this not equate oil to telephones? They are not equal, the cost of oil is not equal to the cost of the phone, but in terms of GDP - 100 million received from the sale of oil are equal to 100 million received from the sale of cars.
                    3. aybolyt678
                      aybolyt678 April 9 2019 11: 18 New
                      0
                      Thank you for the answer, but only in my opinion we are talking about the same thing. And if what we call fraud, the game of money and the impact on the economy, then we have come to a consensus. Because the thesis and antithesis have disappeared. And I would like syntheses. eg:
                      Quote: YarSer88
                      only in the administrative-command economy, where salaries and prices / tariffs will be set from above and will be revised based on production in the whole country.

                      It is this passage that interests me, since I grew up in that system and remember a great country. And I want to return the best of that system. thank
                    4. YarSer88
                      YarSer88 April 9 2019 11: 41 New
                      +1
                      Such a system has advantages, but there are also disadvantages, like any system. The main thing is not the system, the main thing is how to implement it. Stalin did a good job of administering the command system, now in Europe they have a good market economy, I personally prefer a market economy with self-regulatory mechanisms than giving outsourced managerial functions. But anyway, thanks for the discussion! hi
  • Ross xnumx
    Ross xnumx April 3 2019 18: 12 New
    +6
    Quote: Chichikov
    It seems to me that it is also necessary to look and analyze the accumulation of gold and foreign exchange reserves of Russia, in the context of prohibitive sanctions, and how the Central Bank of Russia is involved in this.

    And for example, I am interested in the issue of credit policy, which the Central Bank asks. Or, how is it planned to return to the budget the funds allocated from ZRV for additional capitalization of banks (about 5 rubles belay )? Or why in a country where there are no more than a hundred large high-tech industries left, there are more than 500 commercial banks engaged in currency speculation? Why banking services are in the nature of stripping a client, in connection with which loans can be taken only for the trading business? On the basis of what (if one sets a goal) can $ 100 be exchanged at 50 for an exchange?
    But the most interesting:
    WHY A COUNTRY WITH TWENTY MILLIONS OF POOR SUCH AS SUCH A NUMBER OF MORNERSHIP?
    1. Vadim237
      Vadim237 April 3 2019 19: 15 New
      -5
      What does large high-tech production mean - where is it that it’s not high-tech? But in fact in Russia more than 600000 factories of all kinds and different, as well as 147 million people in the seventh part, who have their own business, and the rest of the population use the services of banks throughout the country for this all need the very 500 commercial banks a bank is a circulatory artery of a market economy; on the other hand, not all banks conduct their business honestly.
      1. Ross xnumx
        Ross xnumx April 4 2019 04: 22 New
        +2
        Quote: Vadim237

        What does large high-tech production mean - where is it that it’s not high-tech?

        High-tech production - This is a technologically and subject-enclosed area of ​​the enterprise, based on high technologies and producing finished high-tech products for its sale on the market. Naturally, high-tech production can be understood as the entire enterprise as a whole, producing high-tech products.

        Fully available here:
        https://studfiles.net/preview/3156539/
        There is also such a wording:
        The basis of the effectiveness of the knowledge-based economy is high technology that determines the competitiveness of goods and services, contributes to sustainable development, helps solve employment problems, and improves the level and quality of life of the population. The share of new knowledge embodied in high technology, equipment, products, in advanced countries accounting for up to 85% of gross domestic product growth.

        Quote: Vadim237
        And in fact in Russia there are more than 600000 factories of all kinds and different

        But in fact all your data on six hundred thousand plants and factories is disinformation. Any different? Therefore, the growth of the economy in the country varies within 1-2% ...
        Quote: Vadim237
        and the rest of the population uses the services of banks across the country for this all and the very same 500 commercial banks are needed - the bank as a circulatory artery of a market economy

        In the USSR, with its second, and in some positions, the first economy of the world, there were a little more than fifty banks whose purpose was lending to various industries. The rates of the State Bank were such that enterprises could take loans without fear of debt holes ... Blood artery, you say? And I think this is a kind of hirudotherapy. When the apparent usefulness of the procedure hides the possibility of obtaining catalysts that can awaken dormant infections in the body. Therefore, I consider most of the Russian commercial banks to be derivatives of thieves ’common funds. And even residents of cities in which central branches are open are not familiar with the activities of many of them.
        For you, I repeat, I am not a supporter of the liberal market (Gaidar-Chubais) economy, the value of which the guarantor with the government appointed by him has been trying to prove for twenty years ...
        So yesterday, Sberbank sent me an "individual" offer to open a gold credit card ... laughing I hasten to please - the anxiety of the bank employees related to the effectiveness of investing funds from my pensions is unnecessary.
        1. Vadim237
          Vadim237 April 4 2019 10: 59 New
          -5
          Where there are CNC machines and there is automation - high-tech production, and now they are almost everywhere, at all enterprises for the production of this or that product .. 600000 plants and factories are a reality, with a team of 50 to 10000 people. For the growth of the economy, a market is needed and there is no high purchasing power of the population, and there is no growth and at least how many factories you build - they will just stand idle - in the USSR it was rolling, now it won’t. The USSR has always lagged behind the West in electronics, mechanical engineering, and consumer goods such as tools, clothing, etc., since the defense was in the first place - everything else is secondary in the background and so on - the USSR’s products in the 90s became not competitive, so how they switched from a plan to the market and are now creating everything for new, with the involvement of foreign cooperation, so that our products keep up to date. I have my money in Sberbank, VTB keep, carry out transactions and do not complain about their work.
          1. Ross xnumx
            Ross xnumx April 4 2019 11: 54 New
            0
            Quote: Vadim237
            Where there are CNC machines and there is automation - high-tech production, and now they are almost everywhere,

            But it is necessary that they do not stand, but work. In our office, white toilets and bidets were installed everywhere, and in the garage, the toilet was identified as a toilet. There is such a feature of production as profitability. And, even if everything is forced into it by CNC machines or automatic lines, all (ABSOLUTELY ALL INCOME !!!) can be consumed by managers and managers.
            Recoil is not visible. Everywhere you go - everywhere Made in China. Today I wanted to buy (order) glasses for working on a PC. The cheapest in the range of 3 + 800 rubles are vision diagnostics. And to all it turned out that the lenses are plastic. There are no more simple glasses for home in the price range up to 150 rubles. There are those Made in China with poisonous metal temples, which leaves irritation on the skin ... Empty talk. I do not want to continue ...
            1. Vadim237
              Vadim237 April 5 2019 10: 56 New
              -4
              Lenses in Russia are almost not produced - this could be done by Swabe, but it is not profitable for them, there is too much competition in the market. Better quality buying than any junk from made in China.
    2. aybolyt678
      aybolyt678 April 5 2019 12: 06 New
      0
      Quote: ROSS 42
      WHY A COUNTRY WITH TWENTY MILLIONS OF POOR SUCH AS SUCH A NUMBER OF MORNERSHIP?

      So we still need someone laughing
    3. ssergn
      ssergn April 9 2019 15: 58 New
      0
      Quote: ROSS 42
      Or why in a country where there are no more than a hundred large high-tech industries left, there are more than 500 commercial banks engaged in currency speculation? Why banking services are in the nature of stripping a client, in connection with which loans can be taken only for the trading business?

      Patamushta - MARKET! After all, in 90's everyone wanted him so. Now we have, well, or he is us.
  • aybolyt678
    aybolyt678 April 3 2019 19: 23 New
    -1
    Quote: Chichikov
    Today, the fight against the withdrawal of capital to offshore by officials-embezzlers is more relevant.

    Do you seriously believe that the main flow of capital from the country is officials? wassat Have you been to supermarkets?
    Quote: Chichikov
    it is also necessary to look and analyze the accumulation of gold and foreign exchange reserves of Russia, in conditions of prohibitive sanctions

    Gold reserves are accumulated, gold is mined in Kolyma .... until they are given out in the form of money for space, pensions, salaries to state employees, etc. .. Here they are immediately spent on goods (mostly imported) and safely leave the country. And sanctions prohibiting certain officials from using real estate and accounts only help us. laughing
    Quote: Chichikov
    I think
    - here you are right smile
    1. Ross xnumx
      Ross xnumx April 4 2019 04: 35 New
      +2
      Quote: aybolyt678
      Do you seriously believe that the main flow of capital from the country is officials?

      Do you seriously believe that the main outflow of capital from the country is organized by those 23 million people whose income is below the subsistence level?
      Quote: aybolyt678
      Have you been to supermarkets?

      Have you been to the district administration? Have you seen how persistently the incomes of the Fatherland are multiplied? And here are supermarkets, if by law every citizen must give a fifth of the price that the trader already set 2-3 times higher than the wholesale? And with the advent of the so-called clusters, this wholesaler may be the same merchant - the owner of a supermarket ...
      Such a glorious modern, high-tech slavery, where even salaries are set in personal desire according to bureaucratic orders ...
      1. aybolyt678
        aybolyt678 April 4 2019 09: 02 New
        0
        Quote: ROSS 42
        Have you been to the district administration? Have you seen how persistently the incomes of the Fatherland are multiplied?

        I tell you about Thomas, and you tell me about Yerema. Theft was and will be. I’m talking about the fact that the clothes dressed for you are imported, computers and phones are 100% imported, building materials are 80% imported, cars are 80% imported. Moreover, meat like Russian is grown on imported feed additives, vitamins and antibiotics, and imported thickeners are used in sausages. In addition, even 80 percent of the trade is already in the hands of foreign traders! TNCs multinational corporations and chain stores and supermarkets pump profits from our economy
      2. ssergn
        ssergn April 9 2019 16: 02 New
        0
        Quote: ROSS 42
        incomes of the Fatherland increase


        Incomes of the Fatherland are multiplied in the IFTS. And the VAT rates are differentiated, and not for all 20% (this is about the fifth part, right, countryman?)
        Quote: “The 10 percent VAT rate for food and children's goods remained. In addition, until 2025, a zero VAT rate was fixed for air transportation to the Crimea and Sevastopol. Also, a zero rate was provided for air transportation to the regions of the Far Eastern Federal District and the Kaliningrad Region.”
  • ssergn
    ssergn April 9 2019 15: 56 New
    0
    Chichikov, do not you know))) - financial crime is forever. Therefore, it is always necessary to fight this evil with an iron hand.
  • Loess
    Loess April 3 2019 14: 46 New
    0
    And it would be necessary if we play to the tune of the Fed,
    Are we playing?
    and beautifully reports for the placement of cash surpluses in the most reliable (American) assets from the Federal Reserve.
    It seems that not so long ago there were reports on large-scale withdrawals of our finances from Amer’s assets, and news did not flash on new investments ..
    1. Altona
      Altona April 3 2019 14: 50 New
      +6
      Quote: Less
      It seems that not so long ago there were reports on large-scale withdrawals of our finances from Amer’s assets

      --------------------------
      The Ministry of Finance transfers from its accounts foreign currency assets to Central Bank accounts - this is called "large-scale withdrawals of our finances from Amer’s assets."
    2. podymych
      April 3 2019 19: 05 New
      +1
      Our business media will continue to pretend that everything is going as it should, but in reality:
      http://ruskline.ru/news_rl/2019/03/23/tyagchajshee_prestuplenie_protiv_obwestva_nesuwee_ogromnyj_vred/?utm_referrer=https%3A%2F%2Fzen.yandex.com&fbclid=IwAR1fxWT6iare9DrFUCwtDRQxOcz9AXGIB2jTRyfIATI8hJaY3QnTisKWliw
      1. Ross xnumx
        Ross xnumx April 4 2019 04: 44 New
        +4
        Quote: podymych
        Our business media will continue to pretend that everything is going as it should, but in reality:

        Better to see once than hear a hundred times. In a country where 147 million inhabitants and thousands of large and small problems with manic perseverance daily analyze the problems of Ukraine and all those who came into the view by some sort of show off. Not only that, there are supporters protecting the rights of these high-income journalists due to the amount of advertising that advertisers dream to insert day and night into these shows with the highest rating of views. At the same time, forgetting to indicate who these disinterested payers are, that they so persistently sign advertising laws and gladly carry their hard-earned money to learn how to deal with dandruff on critical days.
        1. ssergn
          ssergn April 9 2019 16: 05 New
          0
          You need to watch less TV, play better in Tanks)))

          If you decide to be rude, then think that the above could be a joke.
  • BAI
    BAI April 3 2019 14: 58 New
    +5
    1. Nabiulina’s husband is the rector of the Higher School of Economics. And HSE is an agent of American influence. Ie Nabiulina (Central Bank) - an agent of American influence.
    2. The fewer banks, the lower inflation.
    1. DenZ
      DenZ April 3 2019 15: 09 New
      +5
      Quote: BAI
      2. The fewer banks, the lower inflation.

      Absolutely no connection
      1. BAI
        BAI April 3 2019 16: 42 New
        +8
        I'll try to explain on the fingers:
        The bank has 1000 rubles of real money (deposits). Under this money, he gives loans to five banks at 700 rubles - a total of 3500 (with 1000 available. 700 - for example, since the entire 1000 cannot be given according to banking rules). These 5 banks, each with 700 rubles, will give a loan to another 25 banks at 500 rubles - a total of 12500. And so on. The chain is interrupted if a bank that has already issued this money gets in the way of a loan. So consider how much unsecured money will arise in the way of this endless lending. Not my thought - in the early 90s I read in the textbook of economics.
        But mine - before the banks emerged, there were no crises. The amount of money was strictly equal to the product produced.
        PS. The number of banks to which credit is granted is limited only by the conscience of the banker.
        1. Pessimist22
          Pessimist22 April 3 2019 18: 16 New
          0
          Absolutely right! High interest rates are the source of inflation and unsecured money.
        2. DenZ
          DenZ April 4 2019 09: 46 New
          -1
          Quote: BAI
          PS. The number of banks to which credit is granted is limited only by the conscience of the banker.

          Well, in this case, it is easier to legislatively limit the amount of interbank loans issued by one bank. But this is not done either. Banks are not interested in investing in the real sphere of the economy, and even if banks have little, it is not a fact that the money will not go to interbank loans to foreign banks.
        3. ssergn
          ssergn April 9 2019 16: 07 New
          0
          The chain breaks when there is no demand.
          Try to sell a loaf of bread for 1000 rub. (About a hungry millionaire is not necessary))
    2. aybolyt678
      aybolyt678 April 3 2019 19: 38 New
      -1
      Quote: BAI
      Nabiulina’s husband is the rector of the HSE. And HSE is an agent of American influence. Ie Nabiulina (Central Bank) - an agent of American influence.

      Nabiullina - a candidate approved by Putin, by the way, his former adviser. Is your chain relevant in this case?
      1. New Year day
        New Year day April 3 2019 22: 04 New
        +8
        Quote: aybolyt678
        Nabiullina - a candidate approved by Putin, by the way, his former adviser.

        name at least one rational and adequate Putin’s staff appointment (not to mention Shoigu) over 20 years of rule hi
  • yehat
    yehat April 3 2019 15: 23 New
    +8
    it so happened that I studied at the same time at the same university as Nabiullina - she is at home, I’m at math faculty
    but it also turned out that I received encouragement in the same economy as one of the best students (I took exams to transfer), but Nabiullina, who studied at this faculty, remained unnoticed by anyone. And she, the product of the "economics", rules the Central Bank.
    1. Ingvar 72
      Ingvar 72 April 3 2019 17: 28 New
      0
      Quote: yehat
      And she, the product of the "economics", rules the Central Bank.

      She has a natural tool for career advancement. wink
      1. yehat
        yehat April 3 2019 17: 29 New
        +4
        she doesn’t have this tool, haven’t she seen the photo?
        1. Ingvar 72
          Ingvar 72 April 3 2019 17: 30 New
          +3
          Quote: yehat
          she doesn’t have this tool, haven’t she seen the photo?

          Do not drink water from your face! wink
          1. Alf
            Alf April 3 2019 19: 29 New
            +2
            Quote: Ingvar 72
            Quote: yehat
            she doesn’t have this tool, haven’t she seen the photo?

            Do not drink water from your face! wink

            You can turn off the light.
    2. Ross xnumx
      Ross xnumx April 3 2019 18: 20 New
      +2
      Quote: yehat
      but Nabiullina, who studied at this faculty, remained unnoticed by anyone.

      Remember at Pushkin:
      Old Derzhavin noticed us
      And, going down to the coffin, he blessed.
      laughing
      Apparently some old man from the power-holding noted ... I sympathize with you. But do not worry. She is not alone. We never touch anyone - before the public service, nothing outstanding was noted. If only a pendel in childhood in the gateway and a bucket of water on Ivan Kupala ... And so we live among the gray triples ...
    3. Vadim237
      Vadim237 April 3 2019 19: 18 New
      -2
      So good luck in the career ladder.
  • 3vs
    3vs April 3 2019 16: 46 New
    +4
    Yes, but Comrade Peskoff is surprised that people really cannot buy shoes for us ...

    "The Kremlin is awaiting clarification from the Federal State Statistics Service after the publication of data that a third of Russian families do not have enough money to buy shoes, said presidential spokesman Dmitry Peskov.
    I find it difficult to comment. Why shoes? Why exactly thirds, and where do these numbers come from? "
    Dmitry Peskov
    Press Secretary of the President of the Russian Federation
    “Honestly, I would also be grateful to Rosstat for clarifying these data. We find it difficult to understand these data, ”Peskov said at the request of journalists to comment on the relevant data from Rosstat.
    RBC previously published Rosstat research data for the 2018 year, in which 60 thousand households took part. According to the survey, the minimum income of a Russian family should be 58,5 thousand rubles in order to be able to buy the most necessary.
    At the same time, almost 80% of Russians are experiencing financial difficulties and are forced to deny themselves the purchase of essential goods. 10% of respondents said that they cannot afford to eat fish or meat at least twice a week, 20% save on fruits and vegetables, more than 35% cannot buy two pairs of shoes that are suitable for each family member.
    Half of the respondents said that they cannot afford to go somewhere on vacation for a week once a year. Every fourth family cannot invite guests to celebrate a birthday or New Year.

    A source:
    news.mail.ru/politics/36843621/?frommail=1
    1. DenZ
      DenZ April 4 2019 09: 52 New
      -3
      Quote: 3vs
      Half of the respondents said that they cannot afford to go somewhere on vacation for a week once a year. Every fourth family cannot invite guests to celebrate a birthday or New Year.

      This is all the above-cited by you, such nonsense, to be honest. have you studied statistics So the average person does not exist. That is, the one who would be satisfied with everything went where necessary and whenever he wanted, he bought and earned as much as he wanted and so on. Guests they damn can’t invite for the New Year, what a sorrow ... And the same with shoes.
  • Bypassed
    Bypassed April 3 2019 16: 54 New
    +4
    As I.V. Lenin bequeathed - you want to take power - first of all, capture the bank and the media. Well, with the information it’s clear, and the Central Bank as it was a branch of the Fed, and remained
  • Bypassed
    Bypassed April 3 2019 16: 58 New
    +2
    If the current of the Central Bank under itself rowing.
    By the end of 2019, the assets of the National Well-being Fund have already reached 7% of the country's GDP. And then they will go on risky investments. Abroad. Vladimir Kolychev, Deputy Minister of Finance, without blushing, states:

    This should not be internal infrastructure projects, but something outside of Russia, and at the same time something more profitable than reserve assets in which the first 7% is invested.


    When thinking about investing in Russia, adherents of the “liberal theory” of the economy roll their eyes in horror and mutter something ominously about inflation, the ruble exchange rate and interest rates. How all this is consistent with their own mantras about the need to attract foreign investment in the country is not clear. But they whisper to us about a certain “Norwegian model”, in which Oslo, having accumulated about a trillion dollars in the sale of hydrocarbons, invested two-thirds of this amount in shares of foreign companies. True, while the "liberals" forget to mention that Norway is an organic part of the Western world, and it is not under the sanction press.

    Where will our petrodollars go with the light hand of the RF Ministry of Finance? Financial expert Yevgeny Udalov believes that the Fund’s money can be invested in shares of major transnational corporations. As a good example of such an investment, papers of Facebook, Google, Amazon, Apple, Netflix are called. Another issue is that the stock market in the United States is now considered to be very overheated, and these stocks can soon go down in price. Ekaterina Frenkel, financial analyst, warns of such a danger:

    If, conditionally, most enterprises embark on development, such investments will be bad. And if a global crisis ensues? In general, instruments will fly to tartarars, and with them the NWF investments.
  • Scharnhorst
    Scharnhorst April 3 2019 17: 24 New
    -1
    The authors are mishandled paid Cossacks. It may not be all right in our banking sector (as elsewhere), but to me, as an ordinary depositor, it was state-owned banks that were guaranteed to return accumulations twice after the well-known events. For the first time, when in Crimea Kolomoisky launched Privat Bank, having thrown all Crimeans. The second time, already in the Russian Crimea they covered Baikal Bank. But you can’t do without criticism: the great and mighty Sberbank is still afraid to poke its head in Crimea, citing American sanctions, but the e-mails are regularly sending me messages about advertising their loans! I mention the use of Sber and the enemy Visa and Master of cards. The authors made a mistake with the address with the resource, it is unlikely that they will meet with a reasoned opposite opinion in the return article, but they did not offer any construct. Ugh on them!
  • samarin1969
    samarin1969 April 3 2019 18: 03 New
    +3
    If the Central Bank, which is right and does, it closes the "pocket" banks. In addition to "cashing out" and participating in black and gray schemes, they can not offer anything competitive.
    As for the huge costs of rehabilitation, this is a question for the authorities (law enforcement agencies). Hunting should be organized for the former owners of the cracked banks, as for Osama bin Laden. And to other "asset deducers" - a vat with sewage and house arrest for a family .... But this is already a matter of political technology.
    ps Why did the lobby of financial schemes come to VO? request
    1. aybolyt678
      aybolyt678 April 3 2019 19: 47 New
      +1
      Quote: samarin1969
      As for the huge reorganization costs, this is a question for the authorities

      or maybe it’s not a question, for example, it’s obvious to me that this is not state assistance but a tribute hi
  • Lieutenant Colonel of the USSR Air Force in stock
    +2
    Quote: bypassed
    As I.V. Lenin bequeathed - you want to take power - first of all, capture the bank and the media. Well, with the information it’s clear, and the Central Bank as it was a branch of the Fed, and remained

    Yes, only the Bolsheviks got a bummer: they seized the banks, and there is no money! Some debt notes from poor borrowers! hi hi
    1. Vadim237
      Vadim237 April 3 2019 19: 21 New
      -2
      Already 16 trillion rubles.
    2. aybolyt678
      aybolyt678 April 3 2019 19: 48 New
      0
      Quote: Lieutenant Colonel USSR Air Force in stock
      Yes, only the Bolsheviks got a bummer: they seized the banks, and there is no money! Some debt notes from poor borrowers!

      and do not remember the continuation of the story? when Blucher gathered the bankers, he brought a machine gun to the stage and presented his demands, under the muzzle of the machine gun there were funds for something there smile
  • Goldmitro
    Goldmitro April 3 2019 18: 48 New
    -1
    When, after the same crisis of 2008, anti-crisis billions were simply handed out to oligarchs, the Central Bank simply made loans at its discount rate almost two hundred not the largest Russian banks. And they returned everything. Not immediately, but returned. And the oligarchs returned? No one knows?

    But the Central Bank, as it frightened the public with inflation due to every extra penny paid to Saratov pensioners or nurses from Transbaikalia, is so scary.

    That’s the answer to whom the Central Bank serves -
    the most central bank in the world!
  • kunstkammer
    kunstkammer April 3 2019 18: 49 New
    +3
    such a powerful introduction of the public sector in the financial sector. However, in his opinion, even this is not the main thing now: it is frightening that the monetary sphere, which is always extremely sensitive, is moving farther away from real market relations.

    Hooray! While we are fighting on these pages with each other about (and without reason) the creation of the USSR-2 ... Drooling and tearing shirts ... Our beloved oligarchs successfully create this newest and most progressive world enclave! Where is there to China.
    Hallelujah!
    And even that is true: what kind of market relations? This is troublesome, gentlemen. It may be necessary for some baker-shoemaker - to fight for the client, reduce the cost of production (laughter in the hall!). Our billionaires do not bother with this.
    What is the public sector now? This is 51% of the bank’s shares in the state, and the rest is fraternally divided among its people. Few? How to say. The benefit is evident: including, if difficult times come, the state is simply obliged to invest billions of budget money ... to support the banking sector. Simple and cheerful. And they say there is no perpetual motion machine.
    Do not strain! USSR-2 is coming ...
  • bone1
    bone1 April 3 2019 19: 35 New
    +1
    “Who does he serve?” - and what are you asking us about this? —The investigator in the inquiry room should find out from Nabiulina by pointing the chandelier in the face and tapping the head with a club.
  • faterdom
    faterdom April 3 2019 21: 07 New
    0
    In fact, 10-12 banks are enough to service certain areas - from just citizens to the military-industrial complex. And 1500 !!!, as it was five years ago - no need!
    And the fact that this is personally uncomfortable and unpleasant for someone - let's goodbye.
  • iouris
    iouris April 3 2019 23: 13 New
    0
    Who does the bank serve? His Majesty the dollar.
  • lopvlad
    lopvlad April 4 2019 00: 39 New
    0
    Who does he serve?


    The global financial system based on the dollar, is subordinate and clearly implements all the IMF recommendations (raising the retirement age, increasing VAT, digitalizing the population (collecting and concentrating in their hands all the available data about the citizen that is in the state base (Ministry of Internal Affairs, PFR, Federal Tax Service, Rosreestr, MZRF)).
    And for what it does implicitly and quickly, the head of the Central Bank of the Russian Federation is recognized as the best head by the IMF.
  • Lieutenant Colonel of the USSR Air Force in stock
    -1
    Quote: aybolyt678
    comments


    It’s good that they reminded me ... yes, they brought pennies from home earned by overwork ...
    A machine gun is a good thing.
    If the sailor Zheleznyak hadn’t come to the Constituent Assembly with a machine gun, everything would have gone otherwise.
    "The guard is tired!"
    Bukharin recalled: “On the night of the dispersal of the Constituent Assembly, Vladimir Ilyich called me to his place ... In the morning, Ilyich asked me to repeat something of the story about the dispersal of the Constituent Assembly and suddenly laughed. He laughed for a long time, repeated the words of the narrator to himself and laughed all the way, laughed. Fun, contagious, to tears. Laughed
    ... and still laughs! laughing laughing
  • Lieutenant Colonel of the USSR Air Force in stock
    0
    am am
    Quote: aybolyt678
    Quote: Altona
    It is necessary to do a full audit of the economy and industry.

    Who? Who can do it? Where is such a party?

    Rides in a sealed wagon drinks
  • rayruav
    rayruav April 4 2019 08: 44 New
    0
    they are beyond jurisdiction and they don't give a damn about us
  • Begemot
    Begemot April 4 2019 08: 53 New
    0
    I agree with the authors with almost everything, is this
    But “either for everyone or for no one” - this is how a healthy system with healthy competition should work.
    regarding the guarantee, the DIA is not ready to agree, it turns out that MMM could be guaranteed at the expense of the DIA, if it were then. Pipes, there are quite specific requirements, the main thing is that they are adequate. But this is simply a misfortune, the same Sberbank never worked in full compliance with the law and regulation, that of equipping cash registers, that of reservation, that of assessing the quality of assets, and a lot of other things that other banks scammed for goats. Regarding the personalities of the Central Bank, Yudaeva alone is enough to understand who works there, although Nabiullina, though not immediately, started to understand something, and sometimes began to utter something reasonable in addition to: “I will not tolerate”, “Do not let go”, “STA how dare. " But to summarize, the economy is financed "on a drain" because, firstly, Russia is a poor country, although historically it is a country of a donor, a donor even today, who just doesn’t drink blood from us, starting with officials and oligarchs ending with bosom "brothers" in perimeter of the border and far beyond the seas. And most importantly, the system of financing the economy is built on the direct participation of banks, which imposes precisely all the risks on them, from which they are struggling to defend themselves, because the Central Bank has created a punitive system cleaner than the NKVD if banks exceed the level of risk (which, by the way, is quite logical), but completely removes from the risk of investors, for which they receive a meager, lower inflation, interest, but sleep calmly and serenely in their hopeless poverty. In Russia, there are practically no mechanisms by which you can risk, win and drink champagne (or bitter, depending on the result) on your own. Yes, yes, there are some companies that somehow resemble exchange brokers, but so far the population does not believe them, because out of 100, the people who contacted them, with their units, earned even less. I'm not talking about my favorite topic, our native law. Deputies, as the close relatives of "pathologically doomed to success" investors, who are able to increase the price of the portfolio to heaven and sell it right away, need not bring legislation into line with reality. And speaking of other types of project financing, other than exchange-type, they are not developed at all. Because the Central Bank will lose control and, consequently, influence on financial processes, and then they will have to really work all day in the sweat of their faces, and not shed at noon in saunas, pools and fitness centers. And thirdly, the entire economy of the country is nomenclature cronyism (Rotenbergs as a symbol), why finance will be something else?
  • Million
    Million April 4 2019 17: 25 New
    0
    Glory to Vladimir Putin, our father and the great president of Russia!
  • akunin
    akunin April 4 2019 18: 02 New
    +1
    Article 3 of the Constitution of the Russian Federation states that the bearer of sovereignty and the only source of power in the Russian Federation is its multinational people.
    The guarantor of the implementation of constitutional rights and freedoms is the President of the Russian Federation.
    Our Central Bank is the most central bank in the world.
    (about article 3 of the constitution in general, I laugh - I can’t laughing ) Enough to drive about the IMF, Christine Lagarde, the world behind the scenes. We recall
    what did prov say in "who should live well in Russia?" :
    But Prov said to the king ...
    Putin’s last visa is the rest of puppets, finger puppets.
  • DimerVladimer
    DimerVladimer April 5 2019 13: 11 New
    0
    China has again reduced the VAT rate (last year by 1% - from 17 to 16%).
    Starting April 1, 2019, the VAT rate for the manufacturing industry in China will be reduced from 16% to 13%, for transport and transportation, construction and other sectors - from 10% to 9%.

    “This year, a decision was made to reduce the tax burden on a large scale. Lowering the value added tax and social security contributions will reduce the tax burden by 2 trillion yuan (about $ 298 billion). This is an important step in the fight against downward pressure on the economy.” - said Li Keqiang.


    No comment.
  • NordUral
    NordUral April 5 2019 15: 58 New
    +2
    Rats are in power (although a natural rat is smarter and more visionary of these voracious mutants), moreover, under the supervision of the owners of the Western world. And while they are in the power of Russia and the people there is nothing to wait for the development of the country.
  • Levon
    Levon April 9 2019 16: 54 New
    0
    Levon
    The central bank serves the interests of those structures that dishonored the ruble, dollarized everything and everything in the country. so that's all right
  • Spnsr
    Spnsr April 9 2019 21: 23 New
    0
    in the first lines of my comment, I want to emphasize that any private sector entails the pursuit of exorbitant profit, that is, any private trader tries to break the price to go to Courchevel, hence, if there are no 5-10 banks with state regulation, but so that they put up real interest, even for communal services and not as it is now 1%, which is really a lot with real incomes and pensions of 8-18 tr. these are not small amounts, but with more payers, the income from these amounts is fabulous!
    hence, there should be 4-5 state-owned banks supported by the finances of state-owned corporations, such as Gazprom Rosneft, and these banks will already dictate the market! the real market, not a monopoly, as it is now, when banks dictate their interest in pursuit of profit!
    and this approach should be in all sectors, otherwise nouveau riche in the pursuit of profit and European prices, for the benefit of exporters and saturation of the domestic market without loss of business, as opposed to lower wages for workers, Russia will cease to exist after 2024. since this is not a market, what is happening in Russia, and the rich do not just get richer, they vomit and do not want to invest in the Russian market, at least through the salaries of their workers, not to mention the expansion of the number of jobs !!