Military Review

What life, such and bets

103

The reduction by the Bank of Russia of the key rate to 4,5 percent per annum was not a surprise to anyone. To some extent, the speed with which this was done was a surprise, and the fact that the regulator did not lower the rate gradually, but in one go gave its customers a whole percentage point minus.


Elvira Nabiullina, the head of the Central Bank of the Russian Federation, cannot but be given credit for at least keeping her word. Back in April, when the majority, including the authors, expressed concern about the fate of the ruble and doubted the prospects of easing monetary policy, she promised, or rather, only hinted at a potential drastic mitigation. Now the promise is fulfilled literally in one sitting.

The decisiveness of the board of the Russian Central Bank is somewhat reminiscent of the speed with which millions of dreams about quitting quarantine came true. They decided to bring the rate close to the long-term milestone, the so-called inflation target of 4 percent. However, inflation made our financial authorities a surprise, dropping even by official estimates to 3-3,8 percent.


As a result, the Bank of Russia retained a minimal, but, in general, convenient percentage interval, which retained the ability to work with a small profit. However, as you know, with a profit from the country's main creditor, everything has been in perfect order for a long time. Unlike most of his wards, who continue to lament over the losses that they are now promised by the almost inevitable decline in labor rates.

Despite the fundamental decision of the Central Bank of the Russian Federation, for a real business, with rare exceptions, a comfortable loan is still a pipe dream. While there is no talk about the prospects of a significant reduction in mortgage lending rates. The vacations announced for a small number of selected customers are about to end, and the first surge in economic activity after the restrictive measures are lifted can only be limited.

However, inflation fell to a level that our economy almost never knew after the reforms. However, there was a very short period of deflation after tough measures were taken to overcome the consequences of default in August 1998. However, this was only a local reaction to the jump in prices associated with a sharp drop in the national currency.

Now, oddly enough, even the problems of the USA and Europe have worked against inflation in Russia, which has significantly reduced the currency pressure on the ruble. With falling revenues from exports, rising prices in our country did not practically respond. In addition, export revenues are now almost stabilized, but growing demand, even in conditions of quitting quarantine, is still a pipe dream.

It is clear that in Russia for a very long time really it is not worth seriously counting on the fact that credit rates, not for banks, but for enterprises, become effectively negative, that is, lower than inflation. Alas, they do not refute this truth, two percent per annum, but they are a little lower about them.

Nevertheless, in Russia there really were not such comfortable conditions for obtaining loans (since 2013, almost the most prosperous for the national financial system). However, since then, too much has changed in domestic finance and in the economy as a whole.

The global sweep of the banking sector, carried out with the light hand of the Central Bank, or rather, personally Ms. Nabiullina with support from above, turned all the competition on it only into visibility. Well, the current coronavirus cleansing of all small and medium-sized businesses, along with the service sector, threatens to leave the banks themselves almost without a clientele.

What life, such and bets

dead spot


However, this is not even the worst. Much worse is the complete impoverishment of the majority of the country's population, which can only provide the notorious effective demand, stimulating the growth of not only the economy, but also everything and everything. It turned out that the so-called disinflation factors act much stronger than predicted.

It is not entirely clear why the scenario was predicted for just a different kind, when there will be a jump in inflation. Is it possible that the whole calculation was made that at a crisis time, the Russians, following the example of their foreign comrades in misfortune, would engage in massive panic purchases?

If in the West the population at least had something to do it, then, in fact, no one provided the Russians with any direct financial assistance, with rare exceptions. What has been done, if desired, can be passed off as a great blessing, but in parallel with this, our authorities are smartly reporting on how little they managed to spend in the fight against the coronavirus crisis.

First, let us doubt that we really spent a little, but at the same time let us recall how many local authorities, beginning from Moscow, shamelessly did, and continue to do, their bones.

And secondly, we recall that the axiom “no money - no inflation” cannot be canceled with all desire, and when you really press and save not only your official seats, but also the real well-being of the people, it is by no means a sin and negative rates to apply. And not only for the elite.

All seemingly positive indicators of inflation, not just minimal, but one that post-reform Russia did not seem to know at all, is nothing more than evidence of the already collapsing consumer demand. Of course, they can help to return it with all kinds of stocks like direct material incentives for active buyers and bulk purchases, but rather, not to buyers, but to sellers.

But buyers, that is, the general public, are now unlikely to help even belated direct cash assistance. People simply do not rush out of fear at once to buy all the essentials, since all this, if possible, has already been purchased for three months of isolation insanity.

According to the results of independent surveys, there is no doubt that almost everything that people will now receive (if at all), in a single or random order, will be put off by these same people for a rainy day. Confidence in the future, alas, has been lost by too many.

You can’t fix things with a low key rate; worse, you’ll put the last remnants of the banking sector almost to the wall. Just do not think that the authors are in favor of maintaining high bank rates. In no case: no one will wait for such inconsistency from us.

The problem now is different: low rates should become real, not declarative and selective, and the latter is much more important. The very advertised 2 (two!) Anti-crisis percent per annum received many, but already in the open press there is a lot of information that very many had to pay for these two percent, and a lot to pay.

It is hardly worth explaining in detail that this kind of soft loans should be general, perhaps even simply declarative. In our country, it is turning into a corruption trough in Russia, and not only for officials, but also for bankers from among the elected or “authorized”. Authorized not only with the Central Bank of the Russian Federation, but also with the semi-state banks of the top ten.
Author:
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103 comments
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  1. Snail N9
    Snail N9 23 June 2020 05: 38 New
    19
    In Russia, there is practically no free money among the population and business. The state and the Central Bank achieved what they wanted (at the request of the IMF) - there was no credit money left in the country. That is, even in order to pay wages to workers, entrepreneurs need to take a loan. Fat bank cats, together with the “effective managers” of the “Putin spill” at the beginning, pumped out all the money from the population and the business sector with loans, ruined the economy with exorbitant rates of these loans, checks, taxes and a formidable block, and now that business activity is at zero , citizens turned out to be impoverished, without work, with colossal debts on mortgage loans, suddenly the "rate" was lowered by a percent ... benefactors. Now, already, and at low rates no one will take money - there are no free, not credit money in the country, business activity of both business and citizens has moved into the sphere of survival and continuous and economy ... To revive the economy and business, purchasing activity , there is only one way out, pumping up the economy with money free of loan interest, that is, the introduction of a "negative rate"!
    1. Far B
      Far B 23 June 2020 05: 56 New
      17
      now no one will take money at low rates
      Yes, they could have taken it, but now the banks themselves will scratch their turnips for a long time, give loans or not, because in the conditions of a collapsing economy, the risk of delay growth is too great. And it’s not at all a fact that banks will start cutting rates after the Central Bank - the risk is notorious.
      And if you think about it, a picture emerges that someone roasted a rooster in one place pecked at one place, and they, first having a lot of business, decided that it was better late than never. That's just as if it were not too late.
      1. Stas157
        Stas157 23 June 2020 06: 40 New
        22
        . Low here you can’t fix the key rate

        Low relative to what? In developed countries, rates are 0 - 0.1%. A rate of 4.5% is a so-so achievement. We don’t especially want to be proud of such a number of countries: Armenia, Benin, Burkina Faso, Guinea-Bissau, Honduras, Ivory Coast, Mali, Niger, Rwanda, Senegal, Swaziland, Togo, Vietnam.
        It was a list of countries with a rate of 4.5%. And here is the general list:
        https://ru.tradingeconomics.com/country-list/interest-rate
        1. Svarog
          Svarog 23 June 2020 10: 40 New
          11
          We don’t especially want to be proud of such a number of countries: Armenia, Benin, Burkina Faso, Guinea-Bissau, Honduras, Ivory Coast, Mali, Niger, Rwanda, Senegal, Swaziland, Togo, Vietnam.
          It was a list of countries with a rate of 4.5%. And here is the general list:

          Stas, that's right, we are on a par with these countries in terms of living standards. A shame .. and it wants to continue to drag Russia to poverty.
      2. Ragnar Lodbrok
        Ragnar Lodbrok 23 June 2020 08: 52 New
        19
        Quote: Far In
        And it’s not at all a fact that banks will start cutting rates after the Central Bank

        The regional bank has already stated in response to this that this your nabiullina is not a decree for us, so go to your nabiullina. I wonder who put this nabiullina to steer money in the country, there was no such mess in 90?
      3. Krasnodar
        Krasnodar 23 June 2020 14: 30 New
        -1

        Quote: Snail N9
        In Russia, there is practically no free money among the population and business. The state and the Central Bank achieved what they wanted (at the request of the IMF) - there was no credit money left in the country. That is, even in order to pay wages to workers, entrepreneurs need to take a loan. Fat bank cats, together with the “effective managers” of the “Putin spill” at the beginning, pumped out all the money from the population and the business sector with loans, ruined the economy with exorbitant rates of these loans, checks, taxes and a formidable block, and now that business activity is at zero , citizens turned out to be impoverished, without work, with colossal debts on mortgage loans, suddenly the "rate" was lowered by a percent ... benefactors. Now, already, and at low rates no one will take money - there are no free, not credit money in the country, business activity of both business and citizens has moved into the sphere of survival and continuous and economy ... To revive the economy and business, purchasing activity , there is only one way out, pumping up the economy with money free of loan interest, that is, the introduction of a "negative rate"!

        Write, then you know
        Salary loan - minimum wage * number of employees, if until April 2021 he retained 90% of employees, then nothing needs to be returned.
    2. SOVIET UNION 2
      SOVIET UNION 2 23 June 2020 06: 14 New
      17
      In general, everything is correct in the commentary. We can only add that lowering interest rates is unlikely to reduce the profit of the banks themselves. By lowering rates, they can easily raise a commission for payment by bank transfer. Today, many pay for utilities cards. For payment of payment services, interest is charged. Therefore, banks can easily compensate for their profits from lower rates by commissions and charging fees for storing money. Even without interest-bearing loans, they will easily cover the commissions that will go when the population transfers this money to each other. True, you can be offered a refund on purchases. They offered me such a card and a list of stores where they compensate for purchases. Judging by the list of these stores, these are overpriced stores. I think all these cuts in rates and payouts are nothing more than a game of cheaters. Banks will tear their share of profit with meat! hi
    3. The leader of the Redskins
      The leader of the Redskins 23 June 2020 06: 25 New
      12
      Pancake! How many times have I written, using my own example, the example of my family, that everything goes to this ?!
      And how many times couch patriots went up the wall.
      What they just did not write to me!
      And they asked how long I had been starving, and offered to chip in me! ....
      Well, really, you need to wait until the moment when there is no money to replenish the Internet, so that people start to get to it - we’re not going there !!!!
      1. prior
        prior 23 June 2020 08: 26 New
        16
        No need to offend the "eternal galler slave" and his team.
        They row where they should row - only to themselves and to themselves. And they rake a lot.
        And no one promised the people oars for rowing ....
        We are not even in the gallery, we are floundering in the wake.
      2. alone
        alone 23 June 2020 14: 24 New
        +3
        Quote: Leader of the Redskins
        Well, really, you need to wait until the moment when there is no money to replenish the Internet, so that people start to get to it - we’re not going there !!!!

        I’m afraid, dear, when it reaches them, even there are no oars to row back hi
    4. Finches
      Finches 23 June 2020 06: 28 New
      13
      When it comes to banks and bankers, as the apotheosis of evil, then the hands are looking for a Mauser (especially when I see Gref's face giving advice in all areas - from how to teach children in schools to how to cook astronauts) ... And when you start to think about who owns the banks of Russia and the same Central Bank, and is it not time to act like the Bolsheviks in 1917, who, having come to power, immediately nationalized these rotten nurseries of the Western bourgeoisie! After all, then 34% of banks in Russia belonged to foreigners and through banks foreign capital could influence and influenced the industry of young Soviet Russia! But is things different today? Amendments to the Constitution on sovereignty, etc. these are just beautiful words, but the nationalization of banks is precisely the thing that will give this country independence, putting an end to the influence of external forces. He will establish new property relations - which will shake up our economy in terms of REALLY developing small and medium-sized businesses, and not only large state-owned corporations supported afloat, not at the expense of their ability to work, but at the expense of a budget feeder!
    5. Doccor18
      Doccor18 23 June 2020 07: 15 New
      +9
      To revive the economy and business, purchasing activity, there is only one way out-pumping the economy with money free of loan interest, that is, the introduction of a "negative rate"!

      Her 30 years were crushed not to “revive”. Small concessions and surprises before the election ..
      1. depressant
        depressant 23 June 2020 09: 58 New
        10
        Banks have been taught the crisis, they have become very smart. Credit is now issued mainly only on bail. If you are a citizen and do not have a job, then - on the security of your apartment, house or some other serious real estate. In the context of a collapsing economy, a person who dared to take such a loan is most likely to be left without housing, because it is almost impossible to find a job that can provide a loan return. Or they found and took a loan secured by housing to pay a loan for a car, and your employer suddenly went bankrupt, consider that you are already without housing.

        As for small and medium enterprises in the lower segment,
        - small, low-income, then the own cash reserves of many entrepreneurs during the time of self-isolation have almost been spent for one reason or another (family expenses, taxes, payment for renting a work space, which no one canceled, despite the government’s permission to terminate the lease unilaterally until expiration, other). This means that such entrepreneurs are equal to ordinary citizens. No one will give them a loan secured by working real estate: most often it is someone else's - rented. And, being literate people, they will not take a loan secured by an apartment in conditions of falling demand for products. Consequently, their business ceases to exist. A former entrepreneur is either looking for new opportunities for the application of force, spending the remaining accumulated money, or goes to the labor exchange.
        Who will come in his place? For example, resume the work of the hairdresser? A loser from a higher segment of small and medium-sized businesses, who saved up money. If he wants to. But this is unlikely.

        In higher segments of small and medium-sized businesses, that is, highly profitable, technologically connected in the supply chain with large, continuing to operate enterprises (defense industry, nuclear industry, machine tool industry, production of machinery and mechanisms, oil and gas chemistry, large agricultural enterprises, food industry, other), - banks can issue loans to such enterprises, but more often then again on the security of the enterprise itself. After all, now everything is unstable, even the sources of feeding, standing at the head of the chain due to state assistance or the influx of foreign currency from abroad. Banks do not want to take risks.

        What is it? Even before the official onset of the crisis, but in conditions of gradual economic collapse (the notorious negative growth!), That is, in the past six years, people took risks - both ordinary citizens and entrepreneurs. As a result, banks raked the ownership of land, apartments, houses, factories, ships. Since it was necessary to pay taxes and a communal apartment for all this, of course, they tried to get rid of the sale a lot, but they kept some particularly sweet enterprises and lands, having the necessary cash reserves for this. Much, not bought by anyone, the banks, out of reluctance to bother with him, simply ruined and continue to ruin. This is most often state (Soviet) enterprises, taking money for wages to employees on bail. So banks are not only owners of money, but also noble latifundists and owners of industrial enterprises. Banks are a government tool to destroy the remnants of Soviet industry. For, I repeat, loans were limited to the salary of the workers, but not by means of modernization, by hiring competent specialists capable of carrying out that modernization. For such a few gave a loan. And where are they, experts?
        1. vadimtt
          vadimtt 23 June 2020 10: 16 New
          10
          Yes, the latifundists divorced how stunned! We have a strip of forest between gardening associations — it belongs to a bank (from which anyway?), An abandoned pioneer camp nearby - also a bank, a huge agricultural field - and here the owner's bank - you can’t mow, you can’t dig, nothing at all laughing
          Bankrupt planet ...
    6. Qwertyarion
      Qwertyarion 23 June 2020 08: 02 New
      +7
      . Confidence in the future, alas, has been lost by too many.

      Quote: Snail N9
      business activity of both business and citizens has moved into the sphere of survival and continuous and economy ...

      Many of my friends refused this year from major purchases and trips to the resort.
    7. flicker
      flicker 23 June 2020 08: 33 New
      -14
      Another attendant. Article 05:27. "On duty" 05:38, managed to check in. Enviable efficiency.
      Well done bully
      1. Genry
        Genry 23 June 2020 08: 59 New
        -9
        Quote: flicker
        Article 05:27.

        Author from the Far East ???
        Hardly ... Just while the population is sleeping or going to work, you need to shove your block of fake comments.
        1. depressant
          depressant 23 June 2020 10: 50 New
          +8
          Colleagues Flicker and Genry, can I explain something? Do not think badly about people. Here is my phone. The VO site sets the theme. Since I previously read something on it on the Internet, I begin to think, type in the text. Typing, send to the site. That is, I act impulsively, but the process is slow. Most people, in addition to the phone, have computers on which to save files. And since the issues discussed on the VO website are topical, but they still come up on official news resources and are then discussed by users, commented by well-known experts, then an interested person, having studied all this, can formulate his thoughts about and, in advance filling them out on a file, at the right time, only slightly correcting, send to the site. Therefore, there is no mystery in quick answers on a given topic.
          1. Genry
            Genry 23 June 2020 11: 16 New
            -9
            Quote: depressant
            Most people, in addition to the phone, have computers on which to save files. And since the issues discussed on the VO website are topical, but they still come up on official news resources and are then discussed by users, commented by well-known experts, then an interested person, having studied all this, can formulate his thoughts about and, in advance filling them out on a file, at the right time, only slightly correcting, send to the site.

            Such framed topics and blanks of answers are called .. "manuals".
            A quick response block is formed by a software bot with several accounts.
            1. depressant
              depressant 23 June 2020 12: 50 New
              +6
              Genry, but is it really impossible to assume that people are in a hurry to post their opinions first because being late to do so, they will be deep in the tail of the discussion, and only a few will read the comment? And few will appreciate it. And the man worked, tried. Indeed, for many people their own opinion seems not only important, but also capable of changing the opinions of other people in a direction useful to all. Out of respect for all commentators, I read many forums until the last comment, although sometimes it can be difficult.
              1. Genry
                Genry 24 June 2020 12: 24 New
                0
                Quote: depressant
                Out of respect for all commentators, I read many forums until the last comment, although sometimes it can be difficult.

                You need to read from the middle or immediately end. In the beginning, the most cunning ... financially interested climb with "methodical" answers.
                1. depressant
                  depressant 24 June 2020 12: 27 New
                  0
                  Genry, I’m even confused ... What do you mean when talking about material interest?
                  1. Genry
                    Genry 24 June 2020 13: 02 New
                    0
                    Quote: depressant
                    What do you mean by material interest?

                    First come across:
                    https://labipt.com/political-bots-basic-concepts-and-functions/

                    https://ru.espreso.tv/article/2016/03/25/voyna_za_onlayn_yak_pracyuyut_politychni_boty

                    In addition to centers of influence, there are various sites for earning comments or completing assignments on the Internet, on which many concerned work.
                    1. depressant
                      depressant 24 June 2020 17: 00 New
                      +1
                      I learned about the existence of such organizations a few months ago. Quite by chance I came across a small article in Zen. Yes, there are mercenaries. And they came to VO. And they come. I talked about them at the same time. As I understand now, mercenaries quickly register before some important date and begin - no, not to convince someone of something - they simply defame commentators, ascribing to them thoughts and beliefs that they don’t have, label them , take away from the issue under discussion and directly insult. A virtual word hurts no worse than a real one, and now the wounded, having lost their composure, hurriedly leave the battlefield. Further, hired provocateurs raid predatoryly on the closest topics, seek out the posts of the mentally wounded and with the whole crowd gladly minus them, sometimes removing about a thousand or more rating units. Wounded, having discovered that his rating is constantly and sharply falling, despite constant and active commenting with a positive rating, he leaves the site for some, if not for a long time, which causes serious damage to the site. After all, paid attacks are not carried out on everyone, but on those who are listened to, who own the word, information, who have interesting thoughts. It is clear that the victims of the attack are people who criticize the authorities. For raiders, it is important to permanently deprive such people of peace of mind. Indeed, the victim of an attack does not always succeed in adequately responding, and thereby change the situation in his favor. But hired raiders can be seen right away. They do not bother with long, carefully grounded arguments, their weapons are defamation, stigma and blatant lies. Yes, there are permanent mental vampires, but these days they are not in VO. And they are not mercenaries. Just such people.
                      Now, for those in a hurry to leave their post first. According to my observations, the first to put a lot of advantages. People want a rating and nothing more. Is it reprehensible? )) In addition, the former in this way try to set the tone for the discussion, attract supporters of their ideas. It often depends on them who will come to discuss the topic - conditional "critics" or conditional "scammers")))
                      I used to try to be the first. But for a completely different reason - the telephone! A little phone. You will delay, and the discussion is gaining so many comments that the phone does not take. Now I have another phone, you can no longer rush ...))
                      Therefore, I relate to all my colleagues who agree and disagree with me. They are all my compatriots, and this is their highest value to me. I am not disposed to accuse someone of paying for his opinion. Somehow he cringes at the thought that I might think of someone like that.
                      1. Genry
                        Genry 24 June 2020 18: 45 New
                        +1
                        Quote: depressant
                        Yes, there are mercenaries. And they came to VO. And they come.

                        Authors invite them to certain topics (the probability is almost one hundred percent). For example, Roman Skomorokhov, who writes articles in tune with Navalny, in which he tries to confuse people about amendments to the Constitution.
                        On the VO website, censorship works very specifically. You can’t say anything about GCD. Several times, articles that appeared, after an hour or a couple, disappeared without a trace.
                        In short, everything is fine here, in the case of the "shift of consciousness."
                      2. depressant
                        depressant 24 June 2020 20: 05 New
                        +1
                        Oh, Genry ...
                        The trouble is that the same statement regarding the subject or object may belong to people with a completely opposite attitude to the occasion of the statement. But one of them is a patriot, the other is a libertarian, putting on a guardian mask for the people. Roman Skomorokhov is by no means a liberal. He is a man whose soul hurts for the country, for our history. It’s the same with me. Sometimes I very harshly criticize the authorities, but not in order to take Putin's place. Such a claim, you see, would be just ridiculous. I criticize the government so that, upon hearing my criticism, it concludes that it is moving in the wrong direction, that the path should be adjusted within the limits of what is possible. But Navalny also criticizes power! And what is amazing is in my own words. Only his goal is different from mine - to dump Putin and take his place in the Kremlin. At least that's what his political behavior looks like.
                        The similarity of my critical messages with Navalny’s does not mean that I’m Navalny’s fellow traveler. Words are similar, but goals are different.
  2. Shahno
    Shahno 23 June 2020 08: 50 New
    -8
    You are drawing a sad situation ....
    If really so.
    Business defined under the cruel press. What personally I doubt, knowing a little Russian realities.
  3. Olgovich
    Olgovich 23 June 2020 09: 28 New
    -3
    Quote: Snail N9
    pumped out of the population and business all the money

    Accounts Chamber of the Russian Federation, 2020 year:
    citizens are kept in banks 30 trillion rubles


    "News", 1920 g:, about the population’s money "under the mattress":
    in the hands of the population has accumulated 10,6 trillion rubles,


    Total population 30 trillion rubles


    Here is such a "pumping" ...

    for comparison: all budget revenues of the Russian Federation for 2019 20,19 trillion rubles


    1. vadimtt
      vadimtt 23 June 2020 10: 18 New
      +9
      Yes that population, with 30 trillion, a hundred people laughing
      They are half on the Forbes list. Here is a population wassat
      1. Olgovich
        Olgovich 23 June 2020 10: 27 New
        -11
        Quote: vadimtt
        Yes that population, with 30 trillion, a hundred people

        this hundred does not keep money in banks of Russia.

        And under the mattress poor people keep money ...
        1. IS-80_RVGK2
          IS-80_RVGK2 24 June 2020 09: 37 New
          -4
          Quote: Olgovich
          this hundred does not hold money in Russian banks.

          It is hard to be a patriot of a fabulous country. Sometimes I even feel sorry for you.
          1. Olgovich
            Olgovich 24 June 2020 13: 37 New
            0
            Quote: IS-80_RVGK2
            Sometimes it even happens to me you it's a pity

            Poke your wife yeah yes
            I'm sorry your wife: you don’t even poke her lol can .... lol
            1. IS-80_RVGK2
              IS-80_RVGK2 25 June 2020 00: 31 New
              -4
              You would understand yourself what you wrote. Although this is of course pipe dreams. Tyzh is not a thinker, but an impolite writer.
              1. Olgovich
                Olgovich 25 June 2020 07: 22 New
                -1
                Quote: IS-80_RVGK2
                You I would also understand what I wrote.

                1.You even such simple don't you understand things? belay lol

                2. Once again: poke your lol to the wife.

                Got it, no? no
  4. Vend
    Vend 23 June 2020 11: 29 New
    +2
    What life, such and bets
    I did not quite understand the title of the article. In the US 1.75%. What follows from this. that the US is generally a hole and a bottom laughing
  • Andrey VOV
    Andrey VOV 23 June 2020 05: 52 New
    +4
    Authors You at least decide whether the high rate is bad, the low is bad .. what’s good? You have gone too far about complete and final impoverishment, I don’t agree, on the same network the five, the most massive, the revenue fell, but not catastrophically, in general I do not believe I, for my example, I am selling an apartment, so they got me calls wanting to buy, 99 percent with an approved preferential credit of the RSHB. And about cleaning banks, there were so many of them in the country that it was a disaster, and most of them were pocket and exclusively “laundries” .
    1. CSKA
      CSKA 23 June 2020 10: 00 New
      -8
      Quote: Andrey VOV
      Authors You at least decide whether high bid is bad, low is bad .. what’s good then?

      And it doesn’t matter. The task of some authors at VO is simply to criticize everything.
    2. depressant
      depressant 23 June 2020 12: 18 New
      +2
      Andrey VOV, the fact that people took a soft loan to buy an apartment (a privilege, mind you, from the government, which in a year may forget about it) is the business of these people themselves. Risk, as they say, is a noble cause. There are those in whom hope is always alive and at the same time as risk blocks prudence. Especially under the mantra, that everything will be fine. Will there be?
      Is it possible that the rate of 4,5%, creating a slight recovery in the construction industry due to the revitalization of the housing sales market (small, because there are a lot of unsold finished housing, as well as a secondary, so it will take less to build a new one) and its allies, diverge in fading circles on the water economy? After all, the surge will not be supported by other industries - the very ones in which people work who have taken soft loans for housing. Because the credit exemption does not apply to enterprises. The rate of 4,5% is an internal matter between the Central Bank and other banks. This rate is not an incentive to revive the economy.
      Suppose an enterprise operates even under the current conditions. But time goes on, technology is changing rapidly, new products appear in your production segment, competition around the world is on the alert. Today, the company is still selling its products, and tomorrow a competitor has offered better, and at least you close. Does modernization mean? But modernization in the understanding of the bank is a so-called project, that is, an increased risk. It may fire, or a misfire may occur. Therefore, banks give out a loan for a project only on the security of assets (premises, machines, equipment, etc.). By order of the Central Bank. But at the same time, valuing assets is 1,5 --- 2 times lower than their market value. Again, according to the methodology for calculating the Central Bank. And the loan is short-term, say, for a year. That is a knife to the throat.
      Is it possible to modernize and promote products, squeeze between competitors in a year? Most often it’s impossible, there’s nothing to give credit to. The bank gets your business cheaply. On the invested ruble - one and a half to two profits. And you, a burned-out entrepreneur, do not care that the bank, which has ruined you according to the Central Bank’s method, received money from the Central Bank at a rate of 4,5% for the issuance of a execution loan to you. And this is - deeply do not care workers of your former company, thrown into the street. They will be more concerned about where to get the money in order to pay the preferential mortgage loan taken from the same bank to the bank that ruined you. This is the cycle of money in our banking nature.
      1. Andrey VOV
        Andrey VOV 23 June 2020 12: 33 New
        -2
        You wrote a lot, I will answer briefly, people took as residents of rural areas and agricultural workers and not at 4.5%
        1. depressant
          depressant 23 June 2020 12: 56 New
          +4
          I apologize for the long post))
          Just when I start to print, the imagination turns on, and off and on))
  • Van 16
    Van 16 23 June 2020 06: 02 New
    +8
    "it will be the same people put off for a rainy day."

    Yes it would be something to put off .. And so usually from paycheck to paycheck, and now, after all these self-isolation ..
  • Nitarius
    Nitarius 23 June 2020 06: 16 New
    +2
    If in the West the population at least had something to do it, then, in fact, no one provided the Russians with any direct financial assistance, with rare exceptions. this comparison is enough .. not to even read the article further!
    1. Virus-free crown
      Virus-free crown 23 June 2020 21: 25 New
      0
      Quote: Nitarius
      If in the West the population at least had something to do it, then, in fact, no one provided the Russians with any direct financial assistance, with rare exceptions. this comparison is enough .. not to even read the article further!

      Well then you tell me who helped MASSIVE ??? !!! bully I'm full of attention ... repeat
  • Kot_Kuzya
    Kot_Kuzya 23 June 2020 06: 33 New
    -1
    The authors of the article can be seen from liberalists. A low rate, you see, is bad for the Russians. Well, would a rate of 200% be good as in the "saints" of the 90s? As a result, galloping inflation was observed. The Fed, the Bank of England and the Eurobank have a rate of 0-1%, so it is beneficial for businesses to take loans and develop, the mortgage is again cheap for the population, inflation is also very low, again due to the low rate. It would be wonderful for the Russians if the rate of the Central Bank of the Russian Federation became zero.
  • Cowbra
    Cowbra 23 June 2020 06: 48 New
    -18
    Gentlemen ... And what is this portal? Hint. since the article is not on the profile. then you take into account that I, for example, am not "Anatoly Ivanov, Doctor of Economics" Easier. and not spreading with a cape on a tree. Demonstrate your superiority in the economy on specialized resources.
    1. Tatyana
      Tatyana 23 June 2020 11: 59 New
      +4
      Quote: Cowbra
      Gentlemen ... And what is this portal? Hint. since the article is not on the profile. then you take into account that I, for example, am not "Anatoly Ivanov, Doctor of Economics" Easier. and not spreading with a cape on a tree. Demonstrate your superiority in the economy on specialized resources.

      Issues of the economy and defense of the country are two sides of the same coin. Namely, these are questions of the same thing - questions of the national security of the country, its successful development and the prosperity of its peoples !!!
      It is strange that you, in fact, denying this with your comment, you yourself do not understand this at all.

      Military people should understand why they are not just fighting, but WHAT and WHO they put their health and lives for! A military man cannot be a blind weapon in the hands of another's criminal and ENEMY hands.

      For example, General Charles De Gaulle understood all this very well and acted in the interests of France in the international arena in the banking sector! Understood in the economy and banking, but for some reason you are reluctant.

      He was not afraid to challenge the US and bankers. General Charles De Gaulle v. World Government • Aug 13 2018 year
      1. Cowbra
        Cowbra 23 June 2020 12: 05 New
        -3
        So you do not understand. Now I’ll easily drive you into biochemistry or sniper tactics, for example — you will swim quickly in this. Not your topic. I just noticed that the portal is NOT economic. The topic is important - I agree. But keep in mind that not everything is here - doctors of your *** eco-scientific sciences. You are not on a diploma - and if you please, it will be easier, more accessible. AT FINGERS - in a non-core portal, leave the rest for yours!
        And where am I wrong here. madam?
        1. Tatyana
          Tatyana 23 June 2020 12: 33 New
          +2
          Quote: Cowbra
          I just noticed that the portal is NOT economic. The topic is important - I agree.
          And where am I wrong here. madam?

          "The portal is NOT ECONOMIC," - and that says it all!
          Unfortunately, you are not the first to raise this question on the VO website in your comments. We have already discussed it many times. To be or not to be economic articles on the VO website? Should they be professional or amateur? And they came to the conclusion that economic articles on the site should be and it would be desirable to be scientifically competent.
          But keep in mind that not everything is here - doctors of your *** eco-scientific sciences. You are not on a diploma - and if you please, it will be easier, more accessible. AT FINGERS - in a non-core portal, leave the rest for yours!
          Confused by the scientific degree of the author under the article? And if it weren’t, would you remove your question? I think no.

          It is possible that you still have this question due to the ultrasonic education, it is precisely in the POST-SOVIET period.
          Alas, the mosaic UZCO profile of modern education in the Russian Federation is a big disaster for modern Russia, as such, for its people.
          1. Cowbra
            Cowbra 23 June 2020 13: 13 New
            -5
            Tatyana. Beauty Girl ... You touched on several topics at once. and not very sure. that in the second you are exactly in the subject. On the first, I said above. And on the second. As for narrow specialization. Do you know who else said?

            Nichrome, he is not Kalinin) Vladimir Ivanovich. Vernadsky. Well, here it is. at one time a cart was formed. that very widely developed, highly specialized, it is necessary to combine with each other - this is how ecology was born, not greenpeace.
            Well, about a narrow specialization ... Believe me, that ecology is the truth - science. We are sitting after two pairs of towers, higher mathematics. On hydrogeology. Lecturer. Well, let's say how the temperature changes with depth?
            I sit integrals writing out - salinity-temperature-pressure ... Madame puffs nearby - the matrix hits on the same topic ...
            The lecturer looked at us thoughtfully ... And on the board - delta t on delta ash
          2. Cowbra
            Cowbra 23 June 2020 13: 30 New
            -3
            It was an example of how it interferes with one another - they went to the tower. don't understand hydra
            1. Tatyana
              Tatyana 23 June 2020 13: 54 New
              +2
              Quote: Cowbra
              It was an example of how it interferes with one another - they went to the tower. don't understand hydra

              Well, what kind of students are you then, if you are the APPLIED value of mathematics for other scientific disciplines in other branches of scientific knowledge, you are not even able to learn at a university ?!
              The teacher’s methodological approach to the applied value of mathematics should be asked to students even in primary school from elementary grades! And you either did not receive this installation at school, or you did not understand it.
              1. Cowbra
                Cowbra 23 June 2020 14: 01 New
                -3
                Swallow, do you at least roughly understand the factors that influence the temperature of a layer of water? Come on. follow me - and tell me - I will listen. Go ahead, Tatyana, you don’t chop at all! Applied ... Math modeling of the rotation of the northern rivers to tell?
                1. Tatyana
                  Tatyana 23 June 2020 14: 31 New
                  +2
                  Quote: Cowbra
                  Swallow, do you at least roughly understand the factors that influence the temperature of a layer of water? Come on. follow me - and tell me - I will listen. Go ahead, Tatyana, you don’t chop at all! Applied ... Math modeling of the rotation of the northern rivers to tell?

                  No, you don’t understand me!
                  You break the rules of formal logic. (By the way, formal logic is laid in mathematics.) Namely.

                  You take me away from the beginning of our conversation. Namely.
                  What was your initial formal logical message? He was like this:
                  Quote: Cowbra
                  what is this portal? Hint. since the article is not on the profile. then you take into account that I, for example, am not "Anatoly Ivanov, Doctor of Economics" Easier. and not spreading with a cape on a tree. Demonstrate your superiority in the economy on specialized resources.

                  After discussing with me, you came to the conclusion:
                  I just noticed that the portal is NOT economic. The topic is important - I agree.

                  In other words. The topic of our conversation “QUESTION-ANSWER” has been exhausted. The question is closed.

                  And where are you now eclectically taking you to? After all, you have left the original logical message in your question and answer now in another area, and now you are trying to prove to me that you supposedly were generally right - but for some reason you incorrectly prove it in a completely different field of knowledge!
                  In the art of polemics, such a technique of yours is called an informal sophism of relevance (omission of the original premise).
                  Troll me do not.
                  1. Cowbra
                    Cowbra 23 June 2020 23: 26 New
                    -2
                    Quote: Tatiana
                    In other words. The topic of our conversation “QUESTION-ANSWER” has been exhausted. The question is closed.

                    Nichrome it is not closed. initially from me there was a conversation that on a NOT specialized economic portal - since you are giving out a topic that is not related to the theme of the portal - YOU try to present the topic in an accessible way! And YOU, Tatyana - engaged in demagogy
                2. Cowbra
                  Cowbra 23 June 2020 14: 38 New
                  -2
                  Meme, I’ll try to convey my thought differently. One is close to someone, someone else. I doubt very much. that you - with the understanding of economics and mathematics - imagine the chemistry of ternary media. This does not mean that you are stupid - it does mean that. that it is not close to you. Well so. If I - I specifically - need YOURS. it is your attention, well, as an audience - I will try to explain the chemistry of the three-component in accessible images. If I torture the same object in the form of "Literature of surface tension in a balanced environment TBP-fuming nitric acid-hydrates" ... Their bin on this portal. where there are few chemists - on my part - rudeness. I just carry things. albeit correct, MAYBE. but they will not be able to understand, this is rudeness on my part, an attempt to show. that I’m smarter here - I know what I’m talking about. You are not
              2. Cowbra
                Cowbra 23 June 2020 14: 07 New
                -2
                Quote: Tatiana
                Methodological installation

                Generally important only to the teacher, you either do not understand. what are you talking about, or catastrophically stupid
          3. Cowbra
            Cowbra 23 June 2020 13: 57 New
            -2
            Or else) Hochma is no longer a student) FSUE VNIINM, if very short and simplified ... There is no analogue of such a research institute in the states. There are not enough brains. Uncles are sitting. Chemists are technologists. They wrinkle their minds over the problem ... They sat - but did not move out. Boy, just from RUDN University. and not a chemist, he is an ecologist ... He was silent for a while, the scientist took away - and asked. Subject knock to zero or topic to the reactive zone? What kind of devil are you tormenting for - in the reactor the impurity will still come from steel! But the chemist has an edge - either it’s clean or it’s not)
  • Tank jacket
    Tank jacket 23 June 2020 06: 49 New
    +6
    The Central Bank encourages bank raiding with its credit policy. When Glazyev said that currency speculation needed to be limited and that the ruble needed to become an investment currency, Nabiullina was furious because it was against the IMF. How to get a loan to small and medium-sized businesses, if the collateral is 30-50 percent of the real value?
    1. The comment was deleted.
    2. CSKA
      CSKA 23 June 2020 10: 02 New
      -5
      Quote: Tank jacket
      When Glazyev said that currency speculation needed to be limited and that the ruble needed to become an investment currency, Nabiullina was furious because it was against the IMF.

      An example of how she got mad.
      1. Tank jacket
        Tank jacket 23 June 2020 11: 04 New
        0
        As Interfax notes, the proposals "upset the Central Bank to such an extent that it made a request unusual for discussions at this level." Train Glazyev, close his mouth. Unprecedented. The Central Bank’s letter to the Ministry of Economic Development says: Glazyev’s ideas “contain a number of inaccuracies and distortions, which seems unacceptable in the current conditions of market volatility, carries reputational risks for joint measures of the government and the Bank of Russia.”
        “The claims of the Central Bank to Glazyev’s“ communication policy ”look at least strange: he is not an actor, he is not the president or chairman of the government, nor the minister of finance, nor the chairman of the Central Bank. His words cannot be taken as an attempt to manipulate. It’s clear to everyone that academician Glazyev is an adversary of the most primitive monetary course, and he asks fair questions to the Bank of Russia, and let the Central Bank somehow try to explain why the dollar and the ruble jumped against it after oil fell to 25. Now oil has fallen to 15, and he But before [the ruble] couldn’t stand it at all? They don’t have enough resources for this? They, being a market maker of this market, can’t hold back? There are a lot of questions, and Glazyev rightly asks them. And in response we hear: let he closes his mouth and does not ask us.It is noteworthy that the Central Bank for some reason does not respond to public statements by the head of Sberbank German Gref, who allowed the rate to rise and a dollar up to 100 rubles. This is indicative. Gref heads the largest bank in the country, backbone, and he is much closer to currency manipulation. Who from the Central Bank wrote a complaint to him at the Ministry of Finance? Who at that moment tried to hail him? No, this did not happen. Amazing - nearby. But the department responded to Glazyev’s estimates. So what exactly was the regulator afraid of? Perhaps the opaque hints of Glazyev, who claimed that the Central Bank was in “certain relations” with the largest banks in Russia? Or something else? The main thing that Glazyev offers is that money for the population and money for production should be delimited with huge speculative financial markets. Now, in the era of the digital economy, in the era of digital money, nothing prevents us from coloring every ruble launched into an electronic system so that it reaches small and medium-sized businesses, citizens or, for example, production. It is very easy to track. But for some reason, in our time, when we spend billions and billions on creating some kind of electronic platforms based on Sberbank or another fast payment system of the Central Bank, we cannot afford it. We still can't track. And, of course, every person who is logically capable of reasoning has a doubt about the good faith of those people who say to justify us that no, don’t touch the Central Bank’s policy, it saves us in this situation. But we stop believing in it. Some have not believed for a long time, and some are just beginning to not believe. And the fact that they are now reacting so sharply to this only confirms that he [Glazyev] is right, "
        1. CSKA
          CSKA 23 June 2020 12: 14 New
          -7
          Statements by ECE Minister Sergei Glazyev soared with discontent at the Central Bank of Russia. It is reported by Interfax, citing a source in the government.
          This is all at the level the grandmother in the yard said. whether there was a letter or this journalistic essay no one knows.
          1. Tank jacket
            Tank jacket 23 June 2020 12: 33 New
            -1
            Interfax stating that the regulator sent a letter to the Ministry of Economic Development asking it to "limit communications" of the RAS academician Sergei Glazyev.

            In response, the Central Bank actually confirmed that there was such a swind letter, but no detailed comment was received.

            “We will not comment on interagency correspondence. You know the contents of the letter,” the comment says.

            According to sources, the Central Bank expressed dissatisfaction with Sergei Glazyev’s recent presentation on support measures in the current economic environment. The Minister of the Eurasian Economic Commission proposed "to take measures generally accepted in world practice to neutralize the attacks of currency speculators using oil price fluctuations to manipulate the ruble." A "messenger" went from the Central Bank to the Ministry of Economic Development, as Interfax reported. It was proposed simply to close Glazyev’s mouth.
  • parusnik
    parusnik 23 June 2020 07: 16 New
    +5
    The reduction by the Bank of Russia of the key rate to 4,5 percent per annum was not a surprise to anyone.
    .... It is quite natural when there is no free money .... To raise something somewhere? ... There is no point in leaving the identity the same ...
    1. Genry
      Genry 23 June 2020 09: 36 New
      -2
      Quote: parusnik
      Naturally, when there is no free money.

      This is an investment model introduced by Gaidar during the liberal surrender of Russia's state interests to the west.
      In this case, the state should not have its own capital, and it should beg all the money for the development of business and economy from foreign investors.
      In order to exclude any possibility of the appearance of their capital (money is the blood of the economy), the Central Bank has introduced an increased base discount rate relative to other countries (its fair-faced) countries, so that businesses take loans abroad and not from their bankers. This automatically implies that the company is registered in the country of the creditor (offshore) and all financial transactions are closed in this country (they buy citizenship and real estate there). In addition, most of the profit (return on investment) goes there and the share of taxes in Russia decreases. That is why almost all Russian enterprises are offshore.

      Alignment of the basic discount rate of the Central Bank with the level of offshore companies will lead to a gradual legal return of enterprises and an increase in capital in Russia and tax revenues to the budget. But this is not to the liking of the Western usurious business of the Anglo-Saxons and Co. ....

      And it is necessary to nationalize the Central Bank or create your own State Bank in order to withdraw from the subordination of the IMF, where the Central Bank (branch of the Fed), which affects the entire economy of Russia, is located ..

      And what is written in the article is all so that people can never understand what-what-what.
      1. CSKA
        CSKA 23 June 2020 10: 17 New
        -9
        Quote: Genry
        In this case, the state should not have its own capital, and it should beg all the money for the development of business and economy from foreign investors.

        Do you yourself even understand what you wrote? This is sheer nonsense. Does the state have no capital? Should this state allocate money for the development of private business?
        Quote: Genry
        so that the business takes loans abroad, and not from its bankers.

        What kind of business? Small, medium or large. All of them, and especially the small and medium bert in Russian banks.
        Quote: Genry
        This automatically implies that the company is registered in the country of the creditor (offshore)

        )))) You seem to smoke something. Has a large business been registered there for a long time or are they each time they take out a loan are re-registered?
        Quote: Genry
        In addition, most of the profit (investment income) goes there and the share of Russian taxes decreases.

        Themselves as a writer. An example in the studio. Don’t tell with what fright, suddenly the share of Russian taxes will decrease, for example, at the Cherepovets metkom? Its shareholders can receive net profit only after paying taxes, direct and indirect. Here is an example of NLMK. The company's revenue in 2013 amounted to $ 10,909 billion, net profit - $ 189 million. Guess where it went 10,5 billion. I’m ahead of you not in offshore.
        Quote: Genry
        And it is necessary to nationalize the Central Bank or create your own State Bank in order to withdraw from the subordination of the IMF, where the Central Bank (branch of the Fed), which affects the entire economy of Russia, is located ..

        )))))))) So you already decide on the Central Bank under the Fed or the IMF. That's just funny. Can you provide evidence?
        1. Genry
          Genry 23 June 2020 10: 43 New
          -2
          Quote: CSKA
          Quote: Genry
          In this case, the state should not have its own capital, and it should beg all the money for the development of business and economy from foreign investors.

          Do you yourself even understand what you wrote? This is sheer nonsense. Does the state have no capital? Should this state allocate money for the development of private business?

          You pulled out of my context:
          "This is the investment model introduced by Gaidar during the liberal surrender of Russia's state interests to the west."
          Quote: CSKA
          What kind of business? Small, medium or large. All of them, and especially the small and medium bert in Russian banks.

          Small - yes, because a trifle in offshore is not needed.
          All the rest go for 2% per annum to offshore. Where are such loans in Russia?
          Quote: CSKA
          You seem to smoke something. Has a large business been registered there for a long time or are they each time they take out a loan are re-registered?

          Can I say that you "drank your brains" ???
          About the "double taxation" and, accordingly, multiple registration you have not heard?
          Quote: CSKA
          Themselves as a writer. An example in the studio. Don’t tell with what fright, suddenly the share of Russian taxes will decrease, for example, at the Cherepovets metkom?

          I spoke about the share of taxes in favor of the Russian budget. These are taxes on activities and on stored capital. I did not say anything about taxes in the business structure.

          Total: you are a WRITER yourself.

          Quote: CSKA
          So you already decide on the Central Bank under the Fed or the IMF. That's just funny. Can you provide evidence?

          Private Fed submits to the same people as the IMF. The Central Bank is there.
          As for the evidence .... bring a certificate that you are not a giraffe (choose another).
          1. CSKA
            CSKA 23 June 2020 11: 43 New
            -8
            Quote: Genry
            You pulled out of my context:
            "This is the investment model introduced by Gaidar during the liberal surrender of Russia's state interests to the west."

            Gaidar was a fool, but what was the change? If I handed over the entire industry in this way, foreign companies privatized.
            Quote: Genry
            All the rest go for 2% per annum to offshore. Where are such loans in Russia?

            That is, and average? Do not tell tales. Is large everything straight?)))) Rusal, Rostec, Rosneft, Gazprom, Alrosa, Rosatom in offshore?
            Quote: Genry
            Can I say that you "drank your brains" ???
            About the "double taxation" and, accordingly, multiple registration you have not heard?

            Oh wow.))))) And is that all you could write? What do you grind? What is double taxation? If Evraz-Holding, as in 2004, registered in Luxembourg, so it is located. Do you even think about the registration here in offshore, especially several times? For what not once, but twice to pay 2%?
            You can’t even give an example and company name, one empty talk.
            Quote: Genry
            I spoke about the share of taxes in favor of the Russian budget. These are taxes on activities and on stored capital. I did not say anything about taxes in the business structure.

            What are you?) Well, that's all and it became clear to you. Firstly. activity tax paid by SP. A capital tax is paid if the company has sold shares or property, and they are not sold every month. The main taxes that big business pays are corporate income tax.
            Quote: Genry
            Total: you are a WRITER yourself.

            Turn on the thinker and at least read something before carrying all this nonsense.
            Quote: Genry
            Private Fed submits to the same people as the IMF. The Central Bank is there.
            As for the evidence .... bring a certificate that you are not a giraffe (choose another).

            ))))) I'm not even surprised anymore. Or maybe they would write that the Martians belong, and when they would demand proof from you, they would write about the certificate that you are not a giraffe.))))) People like you are just funny. You composed yourself some kind of world live in it, doing whining without interruption. You do not even bother with such trifles as evidence and logic. Really, why are they needed. You yourself make up nonsense and believe in it yourself.
            1. Genry
              Genry 23 June 2020 13: 20 New
              -2
              Quote: CSKA
              What do you grind? What is double taxation?

              Do you have a coupon search engine? Or brains are straight and hands are crooked?
              Double taxation
              Wikipedia, the free encyclopedia
              Skip to navigation
              Go to search

              Double taxation - the simultaneous taxation in different countries of the same income taxes. Double taxation is caused by the fact that a tax non-resident (an individual and a legal entity who does not reside permanently in the territory of the country of which he is a citizen or subject) must pay taxes on global profit at the same time both at his actual location and at his place of citizenship. To avoid such conflicts, countries sign double taxation avoidance agreements.


              Quote: CSKA
              Do not tell tales. Is large everything straight?)))) Rusal, Rostec, Rosneft, Gazprom, Alrosa, Rosatom in offshore?

              Mermaid ... from the wiki:
              Owners and management

              Ordinary shares of the company are traded on the Hong Kong Stock Exchange, DDR on shares are traded on the Moscow Exchange [9]. Shares and DDRs are capable of converting into each other [37].

              At the beginning of 2019, 50,10% of the company’s shares belong to En + energy holding, 26,5% to Sual Partners, and 6,78% to Glencore through Amokenga Holdings. 16,62% are in free circulation [38].

              In 2019, Jean-Pierre Thoma became the chairman of the board of directors, but he was soon replaced by independent director Bernard Sonneveld.

              Dig yourself further, otherwise kindergarten ...
              And do not confuse state-owned companies with private ones.

              Quote: CSKA
              If Evraz-Holding, as in 2004, registered in Luxembourg, so it is located. Do you even think about the registration here in offshore, especially several times?

              Why is this "straight" question?
              Evraz-holding is a foreign international company. Why is she offshore?
              She is already abroad and has access to foreign loans.

              Quote: CSKA
              Firstly. activity tax paid by SP. A capital tax is paid if the company has sold shares or property, and they are not sold every month.

              You, as a petty accountant, perceive everything as petty.
              Large companies that do not conduct activities?

              And capital is spinning in the financial sector and a tax is taken on growth. Are you living from paycheck to paycheck and there is no stash in the account - there you would be charged interest, and taxes from them.
              But if the capital is abroad, then Russia has nothing with them.
              Quote: CSKA
              Turn on the thinker and at least read something before carrying all this nonsense.

              Yours simply does not pull due to weakness.
              Quote: CSKA
              You composed yourself some kind of world live in it, doing whining without interruption. You do not even bother with such trifles as evidence and logic. Really, why are they needed. You yourself make up nonsense and believe in it yourself.

              It was a big surprise for you all this offshore business in Russia.
              And the facts say you rave.
        2. Genry
          Genry 23 June 2020 10: 57 New
          -1
          Quote: CSKA
          Cherepovets metkom? Its shareholders can receive net profit only after paying taxes, direct and indirect. Here is an example of NLMK. The company's revenue in 2013 amounted to $ 10,909 billion, net profit - $ 189 million. Guess where it went 10,5 billion. I’m ahead of you not in offshore.

          From the wiki:
          Owners and management

          The ultimate owners of Severstal are [7]:

          77,03% of the shares are Aleksey Mordashov (through a number of Cypriot offshore companies [19]),
          20,15% - Shares in free float on the stock exchange,
          2,82% - Treasury shares.

          According to the Autonomous Non-Profit Organization Independent Financial Expertise, the formal owners as of 01.03.2012 were:

          Astroshine Limited, Cyprus, Nicosia, 19,99% [20]

          Anters Associates Limited, Virgin Islands, owns 100% of the registered capital of Astroshine Limited

          Loranel Limited, Flag of Cyprus. Cyprus, Nicosia, 19,99% [20]

          Lanton Enterprises Limited, Virgin Islands, owns 100% Loranel Limited

          Deutsche Bank LLC - Nominal holder [20]
          Rayglow Limited, Flag of Cyprus. Cyprus, Limassol, 9,042% [20]

          Huknal Associates Limited, Virgin Islands, owns 100% of the share capital of Rayglow Limited

          Credit Suisse Bank CJSC (Moscow) - Nominee holder [20]
          Lybica Holding BV, The Netherlands, 19,14% [20]

          Holding Mountain Company LLC, Vologda Oblast, Cherepovets, owns 100% of the authorized capital of Lybica Holding BV [20]
          Severstal OJSC, Vologda Region, Cherepovets, Russia - indirect control[20].

          Your profit tax figures are just a piece of apple ...
          1. CSKA
            CSKA 23 June 2020 11: 45 New
            -7
            Quote: Genry
            Your profit tax figures are just a piece of apple ...

            Do you start to think with your head? How does anyone and how many shares relate to income or net profit? You have nothing to write again. Come on already. Figures in the studio. I cited NLMK as an example; there is nothing to answer.
            1. Genry
              Genry 23 June 2020 12: 04 New
              -2
              Quote: CSKA
              Do you start to think with your head?

              No matter how I have sclerosis, and about Cherepovetsky you yourself could think of your own convolutions ...

              About NLMK from the wiki:
              The proprietors

              As of the beginning of the 2010s a controlling stake (85,54%) is nominally owned by the company Fletcher Group Holdings Limited, located in Cyprus, another 3,17% - to companies whose beneficiaries are NLMK managers, 11,29% - shares in free float.

              In fact, the controlling stake - 83,16% - belonged to the chairman of the board of directors Vladimir Lisin. Capitalization on the London Stock Exchange for April 2014 - 259,45 billion rubles [16]

              Will you still ask questions on profit distribution?
              Quote: CSKA
              ... nothing will answer you.

              I didn’t kiss or .... and didn’t switch to “You”!
              I am not tolerast !!!
              1. CSKA
                CSKA 23 June 2020 12: 34 New
                -5
                Quote: Genry
                No matter how I have sclerosis, and about Cherepovetsky you yourself could think of your own convolutions ...

                Think of what? Awww. Get involved already. Where are the tax deductions? And here, who owns how many shares?
                Quote: Genry
                About NLMK from the wiki:

                Yes, wake up you. It doesn’t matter how many shares and to whom it belongs. The dispute about tax deductions. I provided NLMK figures for 2013. What do you provide? How do equity packages relate to taxes if tax is paid before net profit is calculated? Net profit figures are obtained after tax. Do you even understand the difference between income and net profit economist unfinished? It’s like you Communists who brought the USSR economy to ruin.
                Quote: Genry
                Will you still ask questions on profit distribution?

                What is the distribution of profits? You didn’t give a single figure how much of the net profit, for example, was spent on business development, but how much on dividends to shareholders. And turn on the brain, the tax dispute, and not where the net profit is spent.
                Quote: Genry
                I didn’t kiss or .... and didn’t switch to “You”!

                Usually in a dispute with a stranger, I switch to "you" when I do not see an adequate, sane person to whom there is no respect. You have zero knowledge and concepts in the economy. You whip anything.
                1. depressant
                  depressant 23 June 2020 14: 25 New
                  0
                  The personal income tax paid by the oligarch Lisin (the owner of the Novolipetsk Metallurgical Combine is the very NLMK about which the dispute arose above) amounted to - attention, drum roll! - 3/4 personal income tax paid by all other oligarchs and all others who pay such a tax. Here it is required to clarify that the tax was taken from a foreign company controlled by Lisin, and by no means the largest in the country. It turns out that the rest of the oligarchs, of which more than a hundred pieces, are not the owners of companies?
                  This is me, in order of clarification.
                  1. CSKA
                    CSKA 23 June 2020 17: 21 New
                    -2
                    Quote: depressant
                    The personal income tax paid by the oligarch Lisin (the owner of the Novolipetsk Metallurgical Combine is the very NLMK about which the dispute arose above) amounted to - attention, drum roll! - 3/4 personal income tax

                    Evidence in the studio, otherwise I don’t really believe your words. And for one figure, share with us how much not only the NLMK group of taxes paid, but specifically the NLMK, Altai-Koks, SGOK and others included in it.
                    1. depressant
                      depressant 23 June 2020 17: 51 New
                      0
                      Colleague, I do not generate information from the air. Just type in the search engine about personal income tax paid by Lisin and there you will read it.
                      1. CSKA
                        CSKA 24 June 2020 09: 38 New
                        0
                        Quote: depressant
                        Colleague, I do not generate information from the air. Just type in the search engine about personal income tax paid by Lisin and there you will read it.

                        Well, as if you were born yesterday. You are not aware that 70% of the information on the Internet is fake and garbage invented by journalists.
                      2. depressant
                        depressant 24 June 2020 11: 55 New
                        0
                        A colleague, doesn’t it seem to you that we are on an equal footing? After all, we both take information from the Internet. But at the same time, each of us insists that his information is correct. By the way, I did not say anything offensive to Lisin. On the contrary. Offensive - towards other oligarchs))
                      3. CSKA
                        CSKA 24 June 2020 14: 24 New
                        -1
                        Quote: depressant
                        A colleague, doesn’t it seem to you that we are on an equal footing? After all, we both take information from the Internet. But at the same time, each of us insists that his information is correct.

                        There are official data, but there are assumptions, reflections, conjectures, fakes of some sort of scribbler.
                        Quote: depressant
                        By the way, I did not say anything offensive to Lisin. On the contrary. Offensive - towards other oligarchs))

                        I wonder why we have a bad attitude towards all oligarchs. Probably people still lived in the USSR for a significant part of their life, where they were all considered bandits. But if you read biographies, then here you can look at everything differently. For example, take Lisin or Rashnikov, their path to billions, or Abramovich, where not everything is clear with the biography.
                      4. depressant
                        depressant 24 June 2020 17: 11 New
                        0
                        Colleague, this topic, it seems to me, deserves a separate discussion, and it is very important. The oligarchs must work for their country, but for some reason they do not want to do this. So there is a reason; it requires research. Everything rests against this reason or set of reasons.
  • Alex 1970
    Alex 1970 23 June 2020 07: 27 New
    0
    It’s not even a matter of lowering the Central Bank’s rate; they are recouping on another. To the pyrmer, mortgages at 6,5%, housing prices soared immediately, although according to the stated idea they should have decreased. One-room apartment began to cost 2,5 - 2,8 million for 48 squares, while at the beginning of the year the two-room apartment was worth so much. So the bet can be played as you like, "the average temperature in the hospital" will not change from this.
    1. Kot_Kuzya
      Kot_Kuzya 23 June 2020 07: 33 New
      +5
      Housing prices soared not because of low mortgages, but because banned shared construction. And therefore, now, developers in order to collect the amount for building a house, are forced to take funds from banks on credit, of course that this caused an increase in housing prices, about 20-30%. The pretext, of course, sounds noble, ostensibly to protect citizens from developers-scammers. But the hedgehog is clear that all this has been done for the benefit of banks, because crazy money is spinning in the construction business.
      1. Alex 1970
        Alex 1970 23 June 2020 08: 04 New
        -7
        Due to mortgages and new housing, on local TV, even the program was about conspiring developers.
        1. Kot_Kuzya
          Kot_Kuzya 23 June 2020 08: 09 New
          +4
          Amazing naivety!
          Quote: Alex 1970
          on local TV, even the program was about collusion of developers.

          Do you still believe what they say on the box? At what age did Santa believe? What can be a collusion if developers have fierce competition?
          1. Alex 1970
            Alex 1970 23 June 2020 08: 15 New
            -11
            Talk with your wife about grandfather. Not interesting and do not answer.
            1. Kot_Kuzya
              Kot_Kuzya 23 June 2020 08: 41 New
              +5
              What a gullible people! Horror is easy! It turns out that there are still people who believe in the zomboyaschik.
      2. Alex 1970
        Alex 1970 23 June 2020 08: 06 New
        -8
        because prices with a low rate fell by about 10-15%, so we decided to fight back
      3. IS-80_RVGK2
        IS-80_RVGK2 25 June 2020 00: 48 New
        -3
        Prices soared just because of the low mortgage. People ran to take apartments until something happened and state support was not canceled. And developers need to compensate for the drop in income from coronavirus. Anyway, why sell cheaper if expensive? By the way, I read the program, it seems, will be extended for the next year. The whole question is how long people have enough money, the global economic crisis has not been canceled.
  • Tank jacket
    Tank jacket 23 June 2020 08: 25 New
    +2
    And how can one not recall the amendment about the supremacy of our laws when the IMF tells our Central Bank and government what and how to do ... Target inflation ... Raise your retirement age ...
  • Boris ⁣ Shaver
    Boris ⁣ Shaver 23 June 2020 09: 05 New
    +3
    promise made

    This decrease looks especially amusing against the backdrop of statements that banks are still "purely psychologically" not ready in response to lower interest on their loans in bulk, despite the fact that they themselves began to lend to the Central Bank for a whole percent cheaper. It turns out that the decline so far only leads to an increase in bank incomes and the population and business do not feel it.
    And who guarantees that banks, in the end, will cope with their "purely psychological" problems?
    Very interesting.
  • flicker
    flicker 23 June 2020 11: 12 New
    -2
    What should be done by the author (s):
    It is hardly worth explaining in detail what kind of concessional lending should wear common, maybe even just declarative nature
    And before that:
    positive indicators of inflation, not just minimal, but one that post-reform Russia did not seem to know at all, is nothing more than evidence of an already held collapsing consumer demand.

    If consumer demand has collapsed and just concessional lending will not save him, in the conditions of high corruption, but only universal soft loans - high corruption where to go?
    ---
    Or maybe "consumer demand has not collapsed" (all the same, consumers are alive!), But simply decreased?
    And this is a different situation.

    And the way out of this situation is possible only through a smooth (once again: smooth and measured) growth of (declining) supply and demand.
    It is smooth - and not jerky (a jerk can lead to imbalance and imbalance), and this always causes a sharp increase in the amplitude of oscillation (and from such amplitudes the structures collapse, not to mention the economy).
    The greater the bias, the higher the amplitude - and then only have time to react to different phases of this amplitude.
    ---
    And if the economy starts to shake, then it is clear what will happen.
    ---
    1. depressant
      depressant 23 June 2020 14: 30 New
      0
      Geologists know that harmonic vibrations are a sign of an earthquake.
  • iouris
    iouris 23 June 2020 11: 47 New
    0
    No, the economics guys, you will never learn how to draw a chain, because you can never find the main link. It’s too late for you to study Marx and Lenin. Continue to study Nabiullina.
    1. AU Ivanov.
      AU Ivanov. 23 June 2020 13: 17 New
      -2
      Reading Marx, you can’t raise the economy, most likely the opposite.
      1. iouris
        iouris 23 June 2020 13: 20 New
        0
        But President F. D. Roosevelt (the only one who was "four times") not only read, but also revered. It is necessary to read, not because there is some kind of secret wrapped in a secret, but to understand the essence of capital and to critically evaluate "earned by overwork."
        1. AU Ivanov.
          AU Ivanov. 23 June 2020 13: 22 New
          -2
          To become a good economist, Marx must read. But applying his ideas as a guide to action is reckless.
          1. iouris
            iouris 23 June 2020 13: 25 New
            +1
            So, I doubt that Nabiullina is a good economist. Then the question is: why do these people occupy the positions of not only "good economists", but outstanding ones. What do they have, inside, deep, very deep - “deep state”?
            1. AU Ivanov.
              AU Ivanov. 23 June 2020 13: 39 New
              -4
              It is not the theorist who should steer the economy, but the practitioner — the man who founded and developed his business empire. Who knows where the money comes from and how to make it so much.
              1. iouris
                iouris 23 June 2020 18: 48 New
                +3
                People are what they make money from. But only for himself (a little) and for the Fed.
          2. Tank jacket
            Tank jacket 23 June 2020 21: 03 New
            -2
            But right now Marx can be read ...
      2. IS-80_RVGK2
        IS-80_RVGK2 25 June 2020 00: 53 New
        -4
        You read it first, and then try to understand a little bit. Liberal shkolota came up, you know, at Topvar.
  • Knell wardenheart
    Knell wardenheart 23 June 2020 12: 07 New
    0
    Poorly designed measure. We have for a very long time and drastically reduced the% rate, so who really needed it - they have already taken advantage of this. Also, little took into account the debt burden of our population, the loss of many sources of income and the transition to the economy regime. On the other hand, we have those people who keep money in banks that can really spit saliva at these miserable 4.5% and go buy dollars / euros for a year.
    Banks will be forced to tighten their belts and refine themselves - one of them will burn out or lose their license.
    Such a solution to improve stability ..
    1. depressant
      depressant 23 June 2020 14: 59 New
      -1
      People have already done this. The outflow of money from deposits during self-isolation seemed disastrous to banks and continues to this day. Some miserable thousand people take off, some solid millions. And - it is necessary! - the president so inappropriately ordered to give the population a preferential mortgage loan. Under 6,5%. Banks surveyed their melting reserves and poured tears. Nabiullina, in order to console them and make Knicksen in the direction of the president (a debt for her following the sale of Sberbank), reduced the rate to 4%. But let the president not be seduced - not out of love for the population and our economy, but out of the need to give money to banks so that they want to take it (a low rate of 5 4% is an incentive!) And it’s further useful for herself and Nabiullina to continue the game at the currency exchange. Well, it was a little courageous to give a soft mortgage loan. The rest - to and fro, to the beloved stock exchange, to the coveted dollars, to the export of green goods abroad - to the export, facilitated by the legislatively official IMF officials Siluanov. What did you think?
  • Campanella
    Campanella 23 June 2020 13: 09 New
    +1
    It's not just a key rate.
    There are no conditions for the successful operation of the production and technological business, there is no understanding of how to move forward.
    For the most part, all the money that people receive is floated abroad, agriculture can be the exception.