Military Review

About the upcoming debt crisis in Russia

131
Despite the fact that the government stubbornly refuses to recognize all the problems in the Russian economy and its real decline, the situation continues to deteriorate. To understand this, there is a mass of indirect “evidence”, and one of them is the state of the debt market. Let me remind you that in the US, the autumn crisis of the year 2008 began at a time when interest payments on previously made debts for households rose to 14% of real disposable income, today they managed to be lowered to 10,5%. And this is when the cost of a loan for banks is close to zero!


In our country, in this sense, everything is threateningly bad. A couple of years ago, interest payments for citizens were 7% of income, at the beginning of this year - already 11%. If things continue at that pace, by the end of the year we will have a full-fledged debt crisis.

I note that in this place the real state of the economy is manifested. Yes, the last six months, citizens began to take loans less - but their welfare in real terms has decreased as well. Which leads to serious problems. Here is what RBC writes about this: “Citizens pay loans just as bad as they did three years ago. This is stated in the review of the delay in individuals of the agency "Sequoia Credit Consolidation". The reduction in the solvency of borrowers has already led to a record increase in bad debts: their share in the loan portfolio has approached a critical level - 5%.

The growth in retail lending has reached its lowest level in the last four years. Since the beginning of the year, the market has grown by 3,5%, for the same period of 2013 of the year - by 8,4%, in 2012-m for the same period - by 10%.

But overdue debt continues to grow at a record pace - at the beginning of May it reached 514,8 billion rubles. The growth since the beginning of the year was a record 17% (in 2013, for the first four months, this figure increased by 14%, in 2012, by 4,3%). According to the Central Bank, on April 1, the delay on loans to individuals was 4,9% (in the total loan portfolio it is lower - 3,6%). Thus, the volume of bad debts approached the level that is considered critical - 5%.

The deterioration in the quality of the portfolio of collectors is associated with a fall in incomes of citizens, high levels of debt load, as well as macroeconomic changes, such as rising inflation and rising unemployment, the report says. According to the data provided in the report, on average, 1,4 is a problem loan per debtor. And if in 2012, the borrower went into arrears on average in 8,5 a month, in 2014, in just 4,5 a month. ”

We note that it is impossible to quickly change the situation - debts are mostly long-term (car loans and mortgages), even a significant change in macroeconomic conditions (reducing the value of money for banks) will not improve the situation with borrowers quickly, this is a matter of several years. Yes, and the very decline in the value of money is difficult to hold: today it is tied to the value of the dollar for a Russian borrower, and it is quite high. To provide refinancing of the Russian economy with a ruble, the Central Bank categorically refuses - which puts our economy in an extremely difficult position.

Note that the liberal authorities of Russia have done a lot to ensure that their own currency could not be introduced into the economy. They provided absolutely free conversion of the ruble to the dollar, which ensured extremely high profitability of foreign exchange transactions. Any attempt to increase the number of rubles in the economy leads to a huge increase in purely speculative operations - the exchange of "free" rubles from banks (in fact, they are just working rubles of enterprises that are temporarily in bank accounts) for dollars in order to increase the rate of the latter.

Indeed, with a high level of demand for dollars, its rate is growing, which increases the incomes of banks, and the ruble devaluates, which is beneficial for the domestic producer. The only trouble is that it also increases the cost of a ruble loan, since traditionally our yield is considered in foreign currency.

This vicious circle, which was created by the liberals in the 90s through the liberalization of monetary policy, must be broken. To do this, we must move in the following direction: to facilitate credit operations in rubles and reduce the opportunities for currency speculators. It is possible to drastically reduce the number of banks having a currency license. Why should a bank that operates in Russia have a currency license? He should be engaged in lending to his Russian clients, who don’t need a currency normally.

If the client is engaged in export-import operations, the bank can open a correspondent account in one of the large state-owned banks and satisfy the client’s requests. But to engage in speculative operations, he should not. Note that at the same time in this way, our banks are removed from the control of the US tax service - if they are not going to have affairs with the dollar.

Of course, to avoid a serious debt crisis, we can not. But we must now abandon the liberal policy in order to gradually begin to reduce the cost of credit, without which it will be impossible to proceed to economic growth. It is no longer possible to be a “food base” for the American economy, it’s time to change the situation radically.
Author:
Originator:
http://www.odnako.org/blogs/o-gryadushchem-dolgovom-krizise-v-rossii/
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  1. Enot-poloskun
    Enot-poloskun 23 May 2014 17: 30
    +5
    To whom should I forgive everything)))

    For - a communist (s).
    1. Ataman
      Ataman 23 May 2014 18: 01
      +21
      For a long time I have noticed the "prophetic" articles of Mr. Khazin, but over the last five years not a single prophecy has come true.
      1. Vladimir.z.
        Vladimir.z. 23 May 2014 18: 51
        +19
        It is not a matter of prophecies. He says about real speculation in the banking sector ... that with dollars, that with loans for them ... In order to develop an economy, a loan should cost 5 - 7% but in no way close to 20% or more ... hi
        1. atalef
          atalef 23 May 2014 19: 02
          +5
          Quote: Vladimir.z.
          It is not a matter of prophecies. He says about real speculation in the banking sector ... that with dollars, that with loans for them ... In order to develop an economy, a loan should cost 5 - 7% but in no way close to 20% or more ... hi

          A loan cannot be lower than the Central Bank rate, and the Central Bank rate is lower than inflation (more precisely, it can be slightly lower)
          1. Vladimir.z.
            Vladimir.z. 23 May 2014 19: 15
            +11
            Inflation in our country is high due to the ruble pegging to the dollar, as well as because of "economic policy" or rather its absence ... And unfortunately, almost everyone on whom this "economic policy" depends has its own interest ...
            1. atalef
              atalef 23 May 2014 19: 19
              +1
              Quote: Vladimir.z.
              Our inflation is high due to the pegging of the ruble to the dollar,

              If the ruble was pegged to the dollar, then inflation would be at
              ----- 1.3% request
              1. Vladimir.z.
                Vladimir.z. 23 May 2014 19: 24
                +4
                This is theoretically, but in reality, how many times these dollars are resold .... here we get the growth exponentially ...
                1. atalef
                  atalef 23 May 2014 20: 42
                  +1
                  Quote: Vladimir.z.
                  This is theoretically, but in reality, how many times these dollars are resold .... here we get the growth exponentially ...

                  Do not tell, the dollar is the same everywhere. In America, for the dollar brought from abroad, the same thing is bought at the same price. and vice versa. did you buy anything online? From the States and for the bucks?
                  1. voldmis
                    voldmis 23 May 2014 22: 16
                    +3
                    Do not tell, the dollar is the same everywhere. In America, for the dollar brought from abroad, the same thing is bought at the same price. and vice versa. did you buy anything online? From the States and for the bucks?


                    Do you know why? If all the virtually created and printed dollars circulated only in the USA, then their cost would be lower than that of toilet paper! laughing
                    Taking the opportunity of their unlimited printing, linking all world trade to the dollar and freezing the gold reserves of all countries of the world in dollars, they are spreading additional inflation to the whole world ... am So much for the hocus pocus! Net fraud worldwide. For candy wrappers redeem all natural resources.
                  2. zennon
                    zennon 23 May 2014 22: 16
                    +1
                    Quote: atalef
                    In America, for the dollar brought from abroad, the same thing is bought at the same price. and vice versa.

                    And you bring dollars from abroad! No, not for consumer spending, but serious cash, they will unscrew your head in a moment. Mattress-makers know only one direction - to print paper and give candy wrappers for real goods. Production of less than 20% (and how to count) in the real economy of the world, they consume up to 40% (in terms of cost) of goods and services. Lyndon Johnson had a hysteria when De Gaulle brought him paper dollars and demanded to exchange them for gold. It was then that the gold content was abandoned, but now mattress covers more than eyes protect their market from the influx of green paper from behind the hillock - they do not need inflation. The memorable Ben Shalom Bernanke, whom you know very well by origin, answered the question "What is the huge mass of dollars around the world" , where do they go "! That is, they printed paper, took goods, services, etc. for it, and take it back no-no !!!
                    1. VAF
                      VAF 23 May 2014 22: 43
                      +2
                      Quote: zennon
                      And you bring dollars from abroad


                      And what ... do you think that if I come with our rubles I will be met with open arms ??? wassat
                      No dear, it’s they who come to the USA with bucks and invest them in their economy. And if at the same time they not only buy something, but also create production and organize jobs .. then you will be in a chokolod wink
                      1. zennon
                        zennon 23 May 2014 22: 48
                        +2
                        Quote: vaf
                        what ... do you think that if I come with our rubles I will be met with open arms ??? wassat
                        No dear, it’s they who come to the USA with bucks and invest them in their economy. And if at the same time they not only buy something, but also create production and organize jobs .. then you will be in a chokolod

                        You’ll come with rubles, they’ll be taken. And the mattresses certainly welcome investments in the real sector, but God forbid you bring paper! They come with bills, cashless. But this will soon come to an end. There are no countries left in the world where you can draw in the green cache .. .As soon as the rank refuses to buy mattress bonds, that's all ...
                        And actually I wanted to ask you, is it worth it now to transfer the base of strategic bombers from Engels to Crimea, closer to sworn friends?
                      2. VAF
                        VAF 23 May 2014 23: 12
                        +2
                        Quote: zennon
                        but God forbid you bring paper! They come with accounts, cashless payments. But this will come to an end soon. There are no countries left in the world where you can draw in the green cache.


                        So who's talking about cash? He never drove more than 10. Yes and he won’t give it, all the same there are official restrictions on transporting cash through the cordon. wink
                        And I come with an account, but on the account I have exactly BACS, not rubles wink
                        By the way, do not associate the notorious "printing press" with cash, because the overwhelming majority of the money supply is issued precisely in non-cash form - in the form of entries on accounts. If I am not mistaken, then in developed countries the cash turnover is no more than 5% of the total money turnover, the rest has already been cleared. So "turning on the machine" does not mean forcing the "printing house" to work overtime, it is enough to add the amount on the accounts. lol

                        Quote: zennon
                        - Is it worth it now to transfer the base of strategic bombers from Engels to Crimea, closer to sworn friends?


                        I have already covered this question .... NO. Categorically impossible, because:
                        1. We put under attack our BIG aviation.
                        2. The bases can only be used as operational training airfields. And that ... subject to the possibility of passage through the territory of Turkey and Greece.
                        In all other cases, we can "shoot" directly from the Black Sea ... it would be just something bully
                      3. zennon
                        zennon 23 May 2014 23: 42
                        +1
                        Quote: vaf
                        So "turning on the machine" does not mean forcing the "printing house" to work overtime, it is enough to add the amount on the accounts.

                        I wrote about this:
                        They arrive with bills, cashless payments. But this will come to an end soon ... As soon as the rank refuses to buy mattress bonds, that's all ...

                        As for the ruble, it is not a reserve currency and will not be foreseeable for the future. We have another problem: the ruble mass (cache and accounts) are exchanged for greens or euros and dozens of lard are taken out of the country. To keep the bi-currency basket, the central bank is forced to buy the ruble - throw out the currency. Or do not do it, and then transfer inflation to the population. And inflation is a tax on poverty. The rich have stocks, uproots (that is, stocks), real estate, and the poor have only a depreciating cache .. .
                        I have already covered this question .... NO. Categorically impossible, because:
                        1. We put under attack our BIG aviation.
                        2. The bases can only be used as operational training airfields. And that ... subject to the possibility of passage through the territory of Turkey and Greece.

                        Thank you.
                      4. Nayhas
                        Nayhas 24 May 2014 06: 18
                        +1
                        Quote: vaf
                        ..will be just what

                        Good day, Sergey.
                        Golden words ...
                  3. Vladimir.z.
                    Vladimir.z. 24 May 2014 00: 23
                    +1
                    ... they come to the USA with bucks and invest them in their economy .... then you will be in a chokolod wink[/ Quote]

                    Not quite so ... with a large amount of cash, you will not be allowed there ... in the 90s, our businessmen flew to New York on an airplane filled with their cash dollars, so this plane was immediately turned back with the words: "these are your dollars and spend them at home in Russia "(the Russian newspapers even wrote about this case). They only list non-cash ones that are on accounts in their own banks .... So candy wrappers are also different.
                2. Revolver
                  Revolver 23 May 2014 23: 05
                  +2
                  Quote: zennon
                  And you bring dollars from abroad!

                  What for? It happens that I don’t hold in my hands weeks of cash, and I do not suffer at all. In stores I pay with a card, at a gas station too, real estate taxes - I write out a check. Salaries are also sent to me by check, but at a previous job they were sent directly to the bank. I pay bills for credit cards, energy and telephone directly from a bank account. With cash, there are only problems, especially when the change is given in coins, you do not know where to put it. But when they collect something from children at school, you have to go to the bank to withdraw cash, they do not take cards at school.
                  Well, for a snack anecdote from the 1990s.
                  Question: What are Americans paying for all the cards?
                  Answer: because cash bucks all went to Russia.
                  1. zennon
                    zennon 23 May 2014 23: 48
                    +1
                    Quote: Nagan
                    What for? It happens that I don’t hold in my hands weeks of cash, and I do not suffer at all. In stores I pay with a card, at a gas station too, real estate taxes - I write out a check. Salaries are also sent to me by check, but at a previous job they were sent directly to the bank. I pay bills for credit cards, energy and telephone directly from a bank account.

                    Do not believe me, either. I was in Italy, I received euros from an ATM in Napoli without problems, although my bank account in Russia is in rubles. Convenient. Just now I don’t know with "Visa" ...
          2. voldmis
            voldmis 23 May 2014 19: 49
            +8
            If the ruble was pegged to the dollar, then inflation would be at
            ----- 1.3%


            A fundamentally wrong statement. The ruble is already tied to a dual-currency basket. How is inflation going to be 1,3% if our Central Bank issues all the new money at 7,5-8,5% per annum to all banks in the country, and prints it at the same time for free? Inflation cannot be lower than the key rate! This is the key Fed rate of 0,25% per annum, which is why inflation in the US is 1,3%. That is why, always under tsarist Russia and the USSR, the monopoly of the printing of money belonged to the state, and not to a sharashkin office like the Central Bank. And the money was printed and issued free of charge and not at interest!
            1. atalef
              atalef 23 May 2014 20: 45
              -1
              Quote: voldmis
              fundamentally wrong statement. The ruble is already tied to the dual-currency basket

              Then why is inflation more than in the states and Europe combined?

              Quote: voldmis
              . As we have inflation will be 1,3% if our Central Bank gives all new money at 7,5-8,5% per annum to all banks in the country,

              Therefore, it gives out. that inflation is such
              Quote: voldmis
              Inflation cannot be lower than the key rate!

              exactly the opposite. inflation increases the rate

              Quote: voldmis
              Here is the key Fed rate of 0,25% per annum, which is why inflation in the US is 1,3

              The rate is because inflation is low

              Quote: voldmis
              That is why, always under tsarist Russia and the USSR, the monopoly of the printing of money belonged to the state, and not to a sharashkin office like the Central Bank

              This has never happened anywhere. as soon as the state takes control of the central bank, inflation rises. There was no other way

              Quote: voldmis
              And the money was printed and issued free of charge and not at interest!

              Storyteller.
              1. voldmis
                voldmis 23 May 2014 21: 45
                0
                Then why is inflation more than in the states and Europe combined?


                Because the Fed and the ECB can set rates below 1%! More precisely, they are allowed to. And their commercial banks can issue loans to the population at 3,4% per annum. And this is not allowed for our Central Bank, because it is a branch of the Fed and, moreover, is subordinate to the IMF.

                Therefore, it gives out. that inflation is such


                So the Central Bank itself creates this inflation at its rate. How can we expect a decrease in product prices if all enterprises are tied to loans at 16-18% per annum for many years? So much for inflation.

                exactly the opposite. inflation increases the rate


                You listen more to Khazin and HSE representatives. They will not tell you that! laughing

                The rate is because inflation is low


                No, they just consider themselves to be a golden billion, but we are not. Therefore, their living conditions are better. And the mortgage can be taken at 3%. And we can continue to rob.

                This has never happened anywhere. as soon as the state takes control of the central bank, inflation rises. There was no other way


                Under Stalin, prices fell! Why? The quantity of goods grew with the economy, and the amount of money in the economy remained unchanged! fellow
                Loan interest - a gradual collapse of the global economy! Which we are observing.

                Storyteller.


                Try to look at the World differently. Storytellers have not sung in your ears ... wassat Although, unfortunately, not only to you.
                1. atalef
                  atalef 23 May 2014 22: 19
                  -1
                  Quote: voldmis
                  Because the Fed and the ECB can set rates below 1%! More precisely, they are allowed

                  Excuse me . but sometimes it's better to chew than talk

                  Quote: voldmis
                  You listen more to Khazin and HSE representatives. They will not tell you that!

                  unlike you. they have an elementary concept in economics

                  Quote: voldmis
                  So the Central Bank itself creates this inflation at its rate. How can we expect a decrease in product prices if all enterprises are tied to loans at 16-18% per annum for many years? So much for inflation.

                  Central Bank Cannot Create Inflation
                  Inflation creates an imbalance between the level of the money supply and the level of goods and services in the economy under this money supply. Roughly speaking. People received a salary (good successful years), a certain money supply has accumulated, with the stagnation of the economy or a slowdown in growth. bankruptcies and so on. The level of the product (goods and services - all this is a product) falls. while maintaining the money supply at the same level - the cost of the product 9 I am talking about the economy as a whole 0 automatically increases. This is math. money costs less - inflation. It is so simple. on fingers explanation.
                  There is a second option - the government - where (does not have autonomy), orders it under different. populist (not provided with the further release of the product 0 - print money - the result is usually even worse. Inflation is growing and often goes to the level of hyperinflation. You can also touch on the third option. when money circulation is disrupted and people do not keep their savings in banks. in capsules (or change in the secondary markets - such as exchangers 0 creating a cash flow that is not closed to the Central Bank. but real money. The Central Bank (to maintain the liquidity of banks is forced to print new money - because money spinning in the secondary circle does not close on the banks. As a result - the money supply is getting out of control again and inflation is rising.
                  There are some more options. but these are 3 main
                  Did I explain it clearly?
                  Quote: voldmis
                  No, they just consider themselves to be a golden billion, but we are not. Therefore, their living conditions are better. And the mortgage can be taken at 3%. And we can continue to rob.

                  they reckon themselves to him, because they themselves have achieved this life.

                  Quote: voldmis
                  Under Stalin, prices fell! Why? The quantity of goods grew with the economy, and the amount of money in the economy remained unchanged!

                  Was there an economy in the USSR? Are you all right?

                  Quote: voldmis
                  Loan interest - a gradual collapse of the global economy! Which we are observing.

                  Loan interest has existed for thousands of years. Even with exchange trading, he was.
                  -I will give you grain for planting. and you’ll give more from the harvest — have you never heard such a thing?
                  Let me remind you - royal grain stocks (Ancient Egypt)

                  Quote: voldmis
                  Try to look at the World differently. Storytellers have not exactly sung in your ears ... Although, unfortunately, not only for you.

                  I have nothing to look with other eyes. I lived in one 25 years. I’ve been living in another for 21 years. I have something to compare.
                  1. voldmis
                    voldmis 23 May 2014 22: 55
                    +2
                    Excuse me . but sometimes it's better to chew than talk


                    Mutually. Is it unusual to hear a different opinion?

                    unlike you. they have an elementary concept in economics


                    I see what their economy has led to in Western countries, in our country in the 90s and on a global scale now. Apparently, you prefer not to notice this. Your right.

                    Central Bank Cannot Create Inflation


                    All money in our country (Russia) is created electronically or printed exclusively in exchange for natural resources and 100% provided by gold reserves. As in your country, not studied. I am not interested. So every ruble in the economy is issued at a percentage. Conditionally: the Central Bank issued at 8,5% per annum to the economy 100 rubles, in return it will receive 108,5%. The question is where will he get them if he created and issued only 100? Answer: you need to print more money every year. more money = inflation. Elementary. How can this not be understood? And who creates inflation? Without creating inflation, you can print money only instead of worn out in the same amount.

                    when money circulation is disrupted and people do not keep their savings in banks. but kept in capsules (or changed in secondary markets - such as exchangers


                    The total amount of money in the country is unchanged. And their value does not depend on the egg capsules. But when people stupidly begin to change them for currency and the currency grows, then the value of imports grows. This also causes inflation.

                    they reckon themselves to him, because they themselves have achieved this life.


                    Tell the Greeks, Portuguese, Spaniards, Italians, etc. Soon the list will be expanded, no doubt. So tell us what they achieved with 25% unemployment, for example, in Greece. But inflation is low and loan rates. Only nowhere to work, and so - little things.

                    Was there an economy in the USSR? Are you all right?


                    I'm fine. And you? The USSR was not just an economy, but a planned economy. Unique world experience. By the way, the 2nd economy of the World is up to 91 years old. While the traitors have not collapsed. Maybe, in your opinion, we and the Second World War did not win in the economy of the USSR? By the way, interest-free loans were issued to the population. My mother took on furniture. Do you also have this in the country? Only dream ...

                    I have nothing to look with other eyes. I lived in one 25 years. I’ve been living in another for 21 years. I have something to compare.


                    I lived a little less, but it’s a pity ... By the way, I continue to live in my native country and haven’t gone anywhere. No one offered, but he did not seek. And there is also something to compare. There were no homeless people, street children, a minimum of drug addicts, unemployed, no one was starving, people were not afraid for the future, young people were not worried about unemployment, etc. There were some nuances, as elsewhere.

                    Loan interest has existed for thousands of years. Even with exchange trading, he was.
                    -I will give you grain for planting. and you’ll give more from the harvest — have you never heard such a thing?
                    Let me remind you - royal grain stocks (Ancient Egypt)


                    I agree, if it concerns grain. You can grow it more and repay the debt. Do not equate the grain with the currency that you yourself print and then give out at a percentage. You will not grow it more than it was given. Conclusion: it means that someone needs to go bankrupt in the economy for others to pay to the bank. Here is an example:

                    http://nstarikov.ru/blog/35937

                    Can you argue more?
                  2. Vorodis_vA
                    Vorodis_vA 24 May 2014 01: 23
                    -1
                    1- loan interest- took 100 kg of grain, gave 110 kg, but you can grow grain and in the case of money you can’t grow money for repayment, and if there is not enough money you won’t find it even if you have the goods. only the central bank can find them, so the statement is not true.
                    2- inflation is not affected by the Central Bank; it affects it the same way, it adds up billions of dollars instead of building anything on them. Consider the oil we sell at a discount of about 7 percent, we store them in US income and this loss is paid for by the rise in price of goods .. There is such a stupid budget rule or, more accurately, a tricky one, inflation is approximately equal to this percentage and the refinancing rate. If we put aside 1 percent in the stabilization fund, inflation will be 1 percent.
                    3-There should be no surplus and deficit in trade (debit with credit should converge) otherwise the state will die sooner or later. If the eternal surplus, then you work for Uncle Sam, if the deficit is Sam for you.
                    4- then they will give you your money at a loan at interest and this is an additional outflow, you will buy resources from interest, plus you will spend part of the profit from the sale on their pieces of paper and again take them to your account indefinitely.
                    5- conclusion, money doesn’t print so you don’t buy all the dollars from the central bank for rubles and don’t buy gold from the USA for them, for example. For this reason, the central bank always raises the price of a buck, otherwise the buck will be spoiled in the USA and the USA will collapse.
                2. VAF
                  VAF 23 May 2014 22: 32
                  +2
                  Quote: voldmis
                  And this is not allowed for our Central Bank, because it is a branch of the Fed and, moreover, is subordinate to the IMF.


                  Based on WHAT, our Central Bank is a branch of the Fed and is subject to the IMF belay ??? The charge is tough. Do you have any facts (evidence) or at least arguments in support of this information?

                  And yet, from your logic, I would like to understand the hierarchy of institutions - who is the main one, the Fed or the IMF? And then somehow we follow the instructions of those and others ... some kind of violation of subordination can be traced. wassat
                  1. atalef
                    atalef 23 May 2014 22: 38
                    -1
                    Quote: vaf
                    Based on WHAT our Central Bank is a branch of the Fed and is subject to the IMF ??? The charge is tough. Do you have any facts (evidence) or at least arguments in support of this information?

                    Facts on the face. everything is in the country. Time every evening reports on accomplishments, the hero of labor introduced - but nothing changes at the level of an individual Pupkin-- naturally the Fed is to blame

                    Quote: vaf
                    And yet, from your logic, I would like to understand the hierarchy of institutions - who is the main one, the Fed or the IMF? And then somehow we follow the instructions of those and others ... some kind of violation of subordination can be traced.

                    He does not play roles. they change places (what would this given pupkin (confuse even more.)
                    But the fact remains.
                    After the third pile, it’s easier to say the Fed. and after the tenth (when only mooing) - then the IMF.
                  2. voldmis
                    voldmis 23 May 2014 23: 55
                    0
                    at the individual Pupkin level, nothing changes-- naturally the Fed is to blame


                    Why doesn’t it change? They have grown in Crimea ... laughing We are developing slowly. I am sure that this is far from the limit.
                3. Normal
                  Normal 23 May 2014 22: 39
                  0
                  Quote: vaf
                  Based on WHAT, our Central Bank is a branch of the Fed and is subject to the IMF


                  Well, what about Sergey? belay (Greetings!) Everyone knows that! fellow Evgeny Fedorov says so, and he knows for sure that he will not lie laughing laughing laughing
                  Ah, there was a man on the site who skillfully joked about this nonsense, but banned ...
                4. voldmis
                  voldmis 23 May 2014 23: 57
                  +1
                  Ah, there was a man on the site who skillfully joked about this nonsense, but banned ...


                  Previously, everyone said the same thing about NPOs. And about the fifth column, that it is not. Nothing - many thought better of it. Now they will look at the events in Ukraine. And others will think. Time cures. It’s a pity that only heals slowly ...
                  By the way, I studied this debate and read. The answers were not always logical. A simple argument.

                  Evgeny Fedorov says so, and he knows for sure that he will not lie


                  He talks too much. I don’t really believe him.
              2. voldmis
                voldmis 23 May 2014 23: 35
                0
                And yet, from your logic, I would like to understand the hierarchy of institutions - who is the main one, the Fed or the IMF? And then somehow we follow the instructions of those and others ... some kind of violation of subordination can be traced.


                No violation of subordination. Logically, through the IMF, the Fed is subordinate. For this, the IMF was created. I hope that you personally do not follow their instructions.
                For example, here is a video:
                http://www.youtube.com/watch?v=rrgn6B73920
                The Central Bank is not controlled by the state and sabotages a number of decisions. It is a fact. Ignatiev claims that he does not know where inflation comes from. Do you believe him? Credit rates directly depend on the Central Bank, respectively, and the entire economy.
                There are many different links.
                http://www.rusidea.org/?a=33002
                The first one that came across.
              3. VAF
                VAF 23 May 2014 23: 42
                +1
                Quote: voldmis
                No violation of subordination. Logically, through the IMF, the Fed is subordinate. For this, the IMF was created. I hope that you personally do not follow their instructions.


                Through the IMF, the Fed is subordinate to whom ???? belay If I followed their instructions, then in any way on this site I respect, I would not be present wink since "things would be ... for tonsils" wassat
              4. voldmis
                voldmis 23 May 2014 23: 51
                0
                Through the IMF, the Fed is subordinate to whom ????


                By logic, to the owners of the Federal Reserve Banks. Everything is simple.
          3. Vorodis_vA
            Vorodis_vA 24 May 2014 01: 31
            0
            The Central Bank of the Russian Federation is a branch of the Federal Reserve because of the obligation to add a portion of export revenue in dollars, and the IMF is a structure for raising the state on a debt needle, and when you save and borrow your own money at interest, this is stupid at least. here Ukraine, for example, will give part of the proceeds to its bank and still pay the IMF
        2. Revolver
          Revolver 24 May 2014 00: 45
          +1
          Quote: voldmis
          And their commercial banks can issue loans to the population at 3,4% per annum.

          Would you be so kind as to say which particular bank issues at such a percentage? I would refinance my house, otherwise I have more than 4% per annum. But options like "first year 3.4%, and then floating rate depending on LIBOR" are not suitable, I agree exclusively to a fixed rate of 30 years (standard conditions on which property in America is usually bought). And I also don’t agree to the option with the immediate payment of a lot of money for a decrease in interest, it turns out unprofitable.
  2. atarix
    atarix 24 May 2014 00: 28
    0
    more precisely, inflation is high due to speculative exchange transactions.
  • VAF
    VAF 23 May 2014 21: 27
    +2
    Quote: Vladimir.z.
    Our inflation is high due to the pegging of the ruble to the dollar,


    And how is it "miraculously" carried out .. "your binding" wassat

    Quote: Vladimir.z.
    and also because of "economic policy" or rather its absence


    And here you are fundamentally wrong, it is the "economic policy" that exists. Here is only for whom and in whose interests bully
    1. Apollo
      Apollo 23 May 2014 21: 38
      0
      Quote: Vladimir.z.
      Our inflation is high due to the pegging of the ruble to the dollar,

      Quote: vaf
      And how is this "miraculous" carried out .. "your binding

      You see, here, some imagined themselves to be such economists of a global scale, hence hypertrophied thoughts. By the way, topics about the economy are one of the topics I try not to fit into.
      Good evening buddy hi and take care of yourself.
      1. atalef
        atalef 23 May 2014 21: 48
        0
        Quote: Apollon
        You see, here, some imagined themselves to be such economists of a global scale, hence hypertrophied thoughts. By the way, topics about the economy are one of the topics I try not to fit into.
        Good evening buddy and take care of yourself.

        Sergey, Apollo - hello
        I haven’t visited for a long time, a lot of things have changed during this time, with the exception of ...
        As said
        Einstein: “Two things are really endless: the Universe and human stupidity. However, I'm not sure about the universe. ”
      2. VAF
        VAF 23 May 2014 21: 51
        +3
        Quote: Apollon
        .By the way, topics about the economy are one of the topics where I try not to fit in.


        I welcome you. Dear drinks
        Yes, the same I try to "bypass" these topics. But .. when knowledgeable people write, why not just read, and not ask, but in my opinion, like this .. unless I'm right .... because nothing slozhny..so no..haha ... white ribbon, polymer, all Jews, etc. etc. some kind of booth.
        There ..dear Atalef after all, the most competent "layouts" are given and .. absolutely free .. you need to go to any courses in economics, finance and loans .. sit and read and learn, what is not clear .. ask.
        so no ... you must definitely say some dirty trick or disgusting thing! request
        1. atalef
          atalef 23 May 2014 22: 01
          0
          Quote: vaf
          so no ... you must definitely say some dirty trick or disgusting thing!

          Hey . Seryozha !!! hi
          You know . I am nevertheless surprised. in an article about the Crimean Canal. no one even put it - like if there is no water in the canal ...
          The level of the people is growing. laughing
          In general, all that is happening lies on such a surface. what's with the contract with China. what about loans - sit. analyze. Take an elementary calculator. count.
          But why - it’s easier to believe in fairy tales. and then wonder - why there is no money. property is seized and with such resources (and like a sea of ​​dibs) for loans to China flee. hi
          1. VAF
            VAF 23 May 2014 22: 15
            +1
            Quote: atalef
            But why - it’s easier to believe in fairy tales. and then wonder - why there is no money. property is seized and with such resources (and like a sea of ​​dibs) for loans to China flee.


            Hello Sasha! So am I about the same wink so I asked a question to your opponent, so what is it your .. "pegging" to the dollar and that's it ... the client .. floated wassat
            Although it is a no-brainer that the competitiveness of amerovskih enterprises is not comparable to ours. They have the ability to attract "long and cheap" money, invest in R&D and ensure low production costs and, as a result, competitive goods in terms of price-quality ratio.
            And everything else (escapes for loans to China, etc.) ABSURD in its "best" manifestation wassat
            1. atalef
              atalef 23 May 2014 22: 33
              +2
              Quote: vaf
              Although it is a no-brainer that the competitiveness of Amerov's enterprises is not comparable to ours. They have the opportunity to attract "long and cheap" money, invest in R&D and ensure low production costs and, as a result, competitive goods in terms of price-quality ratio

              Seryozha. You have now spoken so many obscure words. that half of the ducks just drove into a stupor. wassat
            2. Apollo
              Apollo 23 May 2014 22: 39
              +2
              Quote: atalef
              Seryozha. You have now spoken so many obscure words. that half of the ducks just drove into a stupor.

              But you don’t have to nightmare for the simple reason that everyone is responsible laughing
            3. VAF
              VAF 23 May 2014 23: 37
              +1
              Quote: atalef
              . now you have said so many incomprehensible words. that half the ducks just drove into a stupor


              As the WISE said ... "learning is light. And ignorance ...." lol , although as the GREAT "used to say" ... "elementary .. Watson" wink otherwise inflation. refinancing rate. 7,5-7,5 ...... yes because ...
              Have you ever thought about the fact that any financial structure should be sure not only of its "hard earned", but at least of the return of its investments? That is, a certain system (methodology) for assessing the creditworthiness of its clients (borrowers), whether they are financial structures, individuals or legal entities, must objectively exist and operate in the country. In the west, everything is transparent and understandable. the client goes to the bank, and the bank can already directly contact the tax office and all sorts of bureaus and find out all the ins and outs of its potential client, while not terrorizing his client about "collecting a package of documents" (whoever knows the subject will understand). And what about Russia ... The Bureau of Credit Histories is just beginning its work (in truth, in Russian, it takes a long time to harness it), tax is generally a song - you won't get any data from them ... and what do banks have to focus on? That's right - on those "papers" that the client will bring ... and in the conditions of the 21st century with its advanced technology and at least one specialist in the field of accounting, finance and proficiency in mathematics at least at the level of the first year of the institute, you can "make" any documents ... only here's the problem ... the papers (officially - the documents) were drawn, the loan was issued, and the financial model of the business, as originally shit, remained as shit - as a result of non-repayment of the loan ... and as mentioned earlier, the bank in the process of its "checks" will not get to the bottom of the truth, with all the desire ... so how to work out the risk of non-return? It's very simple - to raise the cost of credit resources ... Say, let positive borrowers cover the costs of servicing losers (who are hard to identify at the "acquaintance" stage) ... hence the high refinancing rate and high interest rates on loans ... moreover, commercial banks are obliged to form reserves for loans issued (space amounts), which also entails an increase in the cost of credit resources ...
              Thus, the Central Bank + government are solving a difficult task: how to make borrowed money available, reduce inflation and at the same time not contribute to the collapse of the banking system on a national scale ... a question from the series "and eat a fish and ride a bike"
            4. voldmis
              voldmis 24 May 2014 00: 25
              0
              Have you ever thought about the fact that any financial structure should be sure not only of its "hard earned", but at least of the return of its investments?


              That is the problem, if it concerns the Central Bank. He prints candy wrappers with his blood and gives it at interest to live? Or live well? More precisely, the best. Who gave him the right to stupidly earn money printing money? To whom do these excess interest go? To the state? No. Why should the Central Bank make money on this? On the monopoly of printing money throughout the country !!! In addition, our state stores money in his accounts. So he probably gives them on credit?

              Ordinary commercial banks take money from him at interest. Here they have the right to earn. For this, they were created by their masters. And who is the owner of the Central Bank?
      3. Apollo
        Apollo 23 May 2014 22: 23
        +1
        Quote: atalef
        what about loans - sit. analyze. Take an elementary calculator. count.
        But why - it’s easier to believe in fairy tales. and then wonder - why there is no money. property seized and with such resources

        Ministry of Economy Israel’s development has lost a lot without noticing you. wassat
        1. atalef
          atalef 23 May 2014 22: 30
          +1
          Quote: Apollon
          Ministry of Economy Israel’s development has lost a lot without noticing you.

          Honestly . I have the same opinion. wassat
          Now I would be sitting in the office. condition. young secretary. I am - substations and secretaries 60 -year old grymza wassat
        2. Apollo
          Apollo 23 May 2014 22: 34
          +1
          Quote: atalef
          Now I would be sitting in the office. condition. young secretary. I am - substations and secretaries 60 -year old grymza

          Maybe it’s for the best. Otherwise, he would have forced Sergei (Waf) Romanov to sit in the reception room for hours if he wasn’t okay (just kidding) me. laughing
        3. atalef
          atalef 23 May 2014 22: 40
          +2
          Quote: Apollon
          Maybe it’s for the best. Otherwise, he would have forced Sergei (Waf) Romanov to sit in the reception room for hours if he wasn’t okay (just kidding) me.

          You always have no-line entry. By the way, can we skype tomorrow?
        4. Apollo
          Apollo 23 May 2014 22: 43
          +1
          Quote: atalef
          By the way, can we skype tomorrow?

          Still need to live. winked
        5. atalef
          atalef 23 May 2014 22: 59
          0
          Quote: Apollon
          Still need to live.

          You scare me, why something. and you always had optimism. drinks
  • Vladimir.z.
    Vladimir.z. 23 May 2014 22: 29
    +2
    Quote: vaf
    ... "economic policy" is only for whom and in whose interests ...


    Economic policy is the general line of economic actions carried out by the state, the government of the country ... in short, in the interests of the state ...... So they write in smart books.
    And "economic policy" in someone's interests .... is already a business ... Although we have a "guarantor" and said that all business is "equidistant" from the state, we all feel it on ourselves - the increase in tariffs for electricity, gas , ... and gasoline prices, etc.
    1. VAF
      VAF 23 May 2014 22: 36
      0
      Quote: Vladimir.z.
      And "economic policy" in someone's interests .... is already a business ... Although we have a "guarantor" and said that all business is "equidistant" from the state, we all feel it on ourselves - the increase in tariffs for electricity, gas , ... and gasoline prices, etc.


      Here I absolutely agree, +! drinks
  • voldmis
    voldmis 23 May 2014 20: 33
    +1
    A loan cannot be lower than the Central Bank rate, and the Central Bank rate is lower than inflation (more precisely, it can be slightly lower)


    Gold words! It’s a pity I can only put 1 plus!
  • yushch
    yushch 23 May 2014 20: 25
    0
    So the crisis in the world. Show me a country where everything is in order.
    1. atalef
      atalef 23 May 2014 20: 47
      +2
      Quote: yushch
      So the crisis in the world. Show me a country where everything is in order.

      Order is generally a relative thing. but in general. we are fine. Inflation is low. Central Bank rate 1.25%, mortgage 3%
      1. max702
        max702 23 May 2014 21: 31
        0
        Dear you, 90% of all the money in the world, and the remaining 10% are also controlled by you .. well, at least here is not cunning ... why lie to yourself? 1.25% they would have ..
        1. atalef
          atalef 23 May 2014 21: 33
          +2
          Quote: max702
          Dear you, 90% of all the money in the world, and the remaining 10% are also controlled by you .. well, at least here is not cunning ... why lie to yourself? 1.25% they would have ..

          Thank . pleased. But can I have a percentage of our money?
          The fuck is asked, then I generally plow 12 hours a day.
          1. Apollo
            Apollo 23 May 2014 21: 46
            +1
            Quote: atalef
            The fuck is asked, then I generally plow 12 hours a day.

            That's it. laughing
            Good evening Alexander hi
      2. voldmis
        voldmis 23 May 2014 22: 10
        +2
        Order is generally a relative thing. but in general. we are fine. Inflation is low. Central Bank rate 1.25%, mortgage 3%


        Of course it's alright! The external debt is the 48th in the world according to the list and 35% of GDP ($ 12 per inhabitant). GDP 312th on the list. The largest lobby in the World and the USA, which allows keeping the key rate low. They say THANKS to them. Do not forget only that everything in this life is temporary ...

        And with us things are even better! We are at least the sixth largest economy in terms of GDP. Our external debt is not more than 10%. This is the lowest indicator among all countries with an investment category rating! We have higher inflation and credit rates, but all this is fixable. And we have the richest country in the world!
        1. zennon
          zennon 23 May 2014 22: 36
          +2
          Quote: voldmis
          And with us things are even better! We are at least the sixth largest economy in terms of GDP. Our external debt is not more than 10%. This is the lowest indicator among all countries with an investment category rating! We have higher inflation and credit rates, but all this is fixable. And we have the richest country in the world!

          How I would like to be happy with you, it doesn’t work ... We have low labor productivity, a very small retirement age. High mortality and injuries among men. But the number of old women who do nothing but consume resources is growing rapidly. The quality of education has worsened .In the 90th year, import analysts put Moscow State University in 6th place in the world above Oxford and Cambridge, and now it does not fall in the top 50. High production costs. We spend 2-2,5 times more raw materials and energy for the production of similar goods in comparison with Japan and Germany. At the same time, the quality and attractiveness of these goods leave much to be desired ... We have not achieved the food security of the country (this is what Russia has with its traditions, spaces and black earth! ), and for medicines, imports exceed 40%, and the lion's share of the deficit is made up of expensive high-tech drugs that are not produced in our country. Do you want to continue? ..
  • voldmis
    voldmis 23 May 2014 19: 31
    +3
    Khazin for many has not been credible for a long time. Like any liberal, he loves to crush water in a mortar. And at the root to look at him is not enough mind? For example, the Central Bank should reassign the state, smoothly move away from dollar dependence, place gold reserves in Russia, etc. advise him weakly?
    1. voldmis
      voldmis 23 May 2014 19: 37
      +5
      It is not a matter of prophecies. He says about real speculation in the banking sector ... that with dollars, that with loans for them ... In order to develop an economy, a loan should cost 5 - 7% but in no way close to 20% or more ...


      Commercial banks for speculation and established. And the Central Bank is a real commercial bank on self-sufficiency without subordination to the state. He gives money to all banks at 7,5% per annum. And banks, to earn, at 12-18-25% and so on ad infinitum. How do you propose reducing credit rates? The whole reason is the uncontrolled Central Bank !!! He is the main brake on our economy!

      You look at his bets in the 90s!

      http://www.cbr.ru/print.asp?file=/statistics/credit_statistics/refinancing_rates

      . Htm

      Why did we have inflation at 200%? Here is the answer. Central Bank refinancing rate from 100 to 210%.
      You always have to see the root ...
    2. Normal
      Normal 23 May 2014 23: 01
      +1
      Quote: voldmis
      For example, the Central Bank should be subordinated to the state,

      And the Central Bank is not subordinate to the state?
      So the Central Bank itself appoints the Chairman?
      The chairman himself determines the policy of the Central Bank and is not accountable to anyone?
      1. voldmis
        voldmis 24 May 2014 00: 52
        -1
        And the Central Bank is not subordinate to the state?
        So the Central Bank itself appoints the Chairman?
        The chairman himself determines the policy of the Central Bank and is not accountable to anyone?


        This is the trouble! He cannot remove the Chairman.
        There are also many other nuances.
        1. Normal
          Normal 24 May 2014 20: 51
          0
          Quote: voldmis
          This is the trouble! He cannot remove the Chairman.


          Who can’t remove the chairman? IMF? Fed? Of course they can’t because they don’t have any relation to the Central Bank and its chairman.
          Central Bank can not remove its chairman? And for what reason should the Central Bank take it off. It was not he who appointed and claimed that it was not for him to remove.

          Constitution of the Russian Federation (RF)


          83 Article. The President of the Russian Federation: a) shall appoint ...

          [Constitution] [Chapter 4] [Article 83]
          President of Russian Federation:
          ......
          d) submit to the State Duma a candidate for appointment to the post of Chairman of the Central Bank of the Russian Federation;raises the question of the dismissal of the Chairman of the Central Bank before the State Duma Russian Federation;

          www.zakonrf.info/konstitucia/83/


          The President of the Russian Federation MAY remove the Chairman of the Central Bank, and the Fed and the IMF - NO.
          Of course
          there are also a lot of nuances.

          For example, such a nuance, so as not to bother with the procedures:
          Who is the Head of State? The president! After a "friendly" conversation with WHOM does any official resign abruptly for health reasons or in connection with a transfer to another job? The answer is well known.
          It turns out a simple chain.
          President> Senior Officials, including the Chairman of the Central Bank.
          And no independence of the Central Bank from the state
  • rozowik
    rozowik 23 May 2014 19: 43
    +5
    A lot of people get loans without thinking at all, and then either cries that they cannot pay, or they live on a penny paying off debts on loans. And here Putin is not to blame, but his own stupidity.
    1. voldmis
      voldmis 23 May 2014 19: 59
      +3
      A lot of people get loans without thinking at all, and then either cries that they cannot pay, or they live on a penny paying off debts on loans. And here Putin is not to blame, but his own stupidity.


      Before the Crimean War, Russia never lived on loan! We are taught and made to live like this in every possible way. People are sometimes just victims of advertising, and often stupidity. We must rely on our capabilities. Loans are an alien product for our country. All countries of the world now owe more than 50 trillion dollars !!! Question to whom ???

      http://polit.ru/article/2013/11/07/debt/
      1. atalef
        atalef 23 May 2014 20: 49
        +2
        Quote: voldmis
        Before the Crimean War, Russia never lived on loan!

        Lived more than once. The same Peter scored loans not measured
        But in general, to compare the economy of the 19th century and neoglobalism is useless.
        1. voldmis
          voldmis 23 May 2014 21: 20
          0
          Lived more than once. The same Peter scored loans not measured
          But in general, to compare the economy of the 19th century and neoglobalism is useless.


          I will answer with a quote.

          A financial upset occurred just in the years of her (Catherine I) reign, then the first foreign debt of Russia arose.

          http://www.bbc.co.uk/russian/russia/2012/09/120920_golden_age_catherine.shtml

          After death, Peter I did not leave external debts.
    2. atalef
      atalef 23 May 2014 20: 48
      +2
      Quote: rozowik
      And here Putin is not to blame, but his own stupidity.

      +10500
    3. freerider
      freerider 23 May 2014 21: 11
      +1
      One hundred pluses to you from the loan officer.
      I often come across people who are just crazy about loans (like kleptomaniacs on theft).
      My personal conviction is that a loan in our country can be taken only for investment in some business with real returns, the rest is voluntary robbery (especially a mortgage).
  • sub307
    sub307 23 May 2014 20: 32
    +1
    Solidprene. It is also familiar, for example: "The collapse of the dollar empire" (a pearl of the late 90s, like), etc. It seems that everything is correct, logical, but in practice we see a different result. It reminds a few financial "salaried analysts" that every day they "broadcast" (basically just "fix what has already happened) with a smart look, trying to" build a forecast ", the result is" fifty, fifty "at best.
    1. voldmis
      voldmis 23 May 2014 20: 45
      0
      It reminds a few financial "salaried analysts" that every day they "broadcast" (basically just "fix what has already happened) with a smart look, trying to" build a forecast ", the result is" fifty, fifty "at best.


      That's for sure! It used to be: oil is falling - the ruble is falling, oil is growing - the ruble is growing. What recent events have shown? Oil does not fall, and the ruble falls by 10% in six months! And what is this talking about? The fall of the ruble is a man-made, if not political, thing ... And where were these pseudo-analysts? They are not analysts, but opportunists. Something reminiscent of Paul Globe and fortune telling laughing

      And now if you think about it. With the depreciation of the ruble, the Central Bank sells dollars for expensive, and he bought them in advance and cheaply. The difference is about 9-10-15% at the peak. Guess who wins the course first? Until we submit the Central Bank to the state there will be no sense !!! am
  • The comment was deleted.
  • max702
    max702 23 May 2014 21: 20
    0
    Taki disagree with you! Prophecies came true and quite a lot, in July 2007 he predicted the financial crisis in the USA 2008 up to a month, and justified the reasons for where it came from and why, the time and reasons were fully confirmed. I also predicted that they would choose Obama for whom everything would have to be attributed, and said that if things went very tight they would be chosen for a second term .. As you can see, everything fits together, and many other things have been confirmed.
  • Cherdak
    Cherdak 24 May 2014 01: 12
    +2
    Quote: Ataman
    For a long time I have noticed the "prophetic" articles of Mr. Khazin, but over the last five years not a single prophecy has come true.


    The person had a business: he bought eggs for 40 kopecks, cooked them and sold for 40 kopecks.
    To the question "Where is the fat?" he answered: "Firstly, the broth from eggs, and secondly - all day at work."
  • The comment was deleted.
  • Vedmed_23
    Vedmed_23 24 May 2014 00: 47
    0
    That's how it should be, even my wife found my tunic from graduation and said, WHAT ARE YOU STUPPING THE DEER, I AM SHOCKED
  • Archikah
    Archikah 23 May 2014 17: 35
    +10
    Gold words. But Messrs. Kudrin and Chubais are against such a turn of affairs. What can you do? It seems that our president is moving in the right direction, and so there is a fifth column that does not just bark from Manezhnaya Square. She this column takes place in the liberal government of Dima and around him. It seems that V.V. not all controls are in hand. Well, or almost not all. There is also a group of men who sometimes pull the parking brake. And they always do this at the most inopportune moment. Maybe it wasn’t necessary to go to America. Bend down and be silent. But no - then all the same you need to go in one direction, and not take a step forward and two to the side. negative
  • spech
    spech 23 May 2014 17: 35
    +11
    First, they give money to everyone in a row, and then they cry that they do not return.
    1. GELEZNII_KAPUT
      GELEZNII_KAPUT 23 May 2014 17: 55
      0
      drove everyone into debt, as I read somewhere in 2008. the article that our huge public debt flowed into debt individuals, smoothly!))
      1. atalef
        atalef 23 May 2014 18: 36
        +3
        Quote: GELEZNII_KAPUT
        drove everyone into debt, as I read somewhere in 2008. the article that our huge public debt, flowed into the debts of individuals., smoothly!)

        Of course, read about the debts taken primarily by state corporations (and this is generally the state) than they will pay them off? Of course, taxes from citizens - the State generally has no other income
    2. armageddon
      armageddon 23 May 2014 17: 56
      0
      PPC and these ... Putin is to blame for everything !!! Fifth column damn ...
    3. The comment was deleted.
    4. atalef
      atalef 23 May 2014 18: 35
      +1
      Quote: spech
      First, they give money to everyone in a row, and then they cry that they do not return.

      Cool approach. In general, they take money, but give them at interest and collateral.
      And then they cry. that there’s nothing to pay and the property will be confiscated - you probably meant it.
  • pts-m
    pts-m 23 May 2014 17: 35
    +9
    Long ago got rid of "greenery" and no headache. In RUSSIA, it is BETTER to relax!
    1. matross
      matross 23 May 2014 17: 52
      0
      Quote: PTS-m
      in RUSSIA it is BETTER to relax!

      Which is better?
      1. atalef
        atalef 23 May 2014 18: 41
        +5
        Quote: matRoss
        Quote: PTS-m
        in RUSSIA it is BETTER to relax!

        Which is better?

        Than abroad laughing
        1. MolGro
          MolGro 24 May 2014 13: 30
          0
          Abroad she is) "beautiful and civilized", but only on tour advertising!
      2. BABA SHURA
        BABA SHURA 23 May 2014 18: 58
        -5
        on every corner is cigarette smoke and the smell of urine
        1. atalef
          atalef 23 May 2014 19: 03
          +2
          Quote: BABA SHURA
          on every corner is cigarette smoke and the smell of urine

      3. Turkir
        Turkir 23 May 2014 19: 13
        +4
        You have a joke question.
        Armenian joke.
        Dad, dad, Uncle Vartan said that life in Paris is much worse than in Yerevan is better. wink
    2. atalef
      atalef 23 May 2014 18: 41
      +5
      Quote: PTS-m
      Long ago got rid of "greenery" and no headache. In RUSSIA, it is BETTER to relax!

      Apparently you never had it.
      About rest in Russia (I certainly am for), but Egypt and Turkey, apparently for the bulk of the same Russia.
      By the way, you can go to the Crimea. This is patriotic. Yes, and help the economy because the season has already begun (from May 1). and the bulk of the matter does not go beyond patriotic exclamations. hi
      1. matross
        matross 23 May 2014 19: 06
        +2
        Quote: atalef
        Than abroad laughing

        good laughing
        Quote: atalef
        Apparently you never had it.

        Some consider this a personal achievement. About the fact that the dollar inside Russia has not been running for 10-12 years, apparently not in the know.
        Quote: atalef
        By the way, you can go to the Crimea. This is patriotic. Yes, and help the economy because the season has already begun (from May 1). and the bulk of the matter does not go beyond patriotic exclamations.

        Patriotic, but problematic. For example, from St. Petersburg there are no flights to Crimea for 3 weeks for the whole season. Most likely the throughput of a / p in Simferopol is very small. On the train with transfers bus-ferry-bus will leave a good three days. The price tag in a mini-hotel is about 1000 per day for a double room. To go on 10 days together will come out with modest requests around a fifty dollars - the prices are quite comparable to the popular inexpensive resorts in the Mediterranean, but 10 days will come for a rest and 6 to go. At the exit, we have a resort for nostalgic patriots or for traveling abroad. By the way, is this why the exit over the hill was closed, behind the scenes, but harshly?
        1. atalef
          atalef 23 May 2014 19: 27
          -1
          Quote: matRoss
          Some consider this a personal achievement. About the fact that the dollar inside Russia has not been running for 10-12 years, apparently not in the know.

          belay I can’t enter the dollar in Russia? It’s strange. for 12 years it was 4 times. somehow this fact eluded me

          Quote: matRoss
          Patriotic but problematic

          Problematic? It is strange to mix patriotism with the price level and delivery problems, as you said Comrade Saakhov, do not interfere with personal wool and public.
          What are the calculations? When does Crimea need help? laughing
          In general, I'm kidding. it was understandable - just when I wrote that it would be so-- people did not believe


          Quote: matRoss
          By the way, is this why the exit over the hill was closed, behind the scenes, but harshly?

          Of course. only for especially patriotic should be clear. that all security officials will rest in the Crimea at the state expense (those for your money are budget 0 because a reasonable person will not go there for his own money (at least now)
          Although there before was far from ice.
          1. matross
            matross 23 May 2014 19: 51
            +3
            Quote: atalef
            I can’t enter the dollar in Russia? It’s strange. for 12 years it was 4 times. somehow this fact eluded me

            It’s strange that he slipped away. Did you pay somewhere in Russia with dollars?
            Quote: atalef
            I'm kidding . it was understandable - just when I wrote that it would be so-- people did not believe

            This is not a good topic for fun. Crimea returned to Russia. And soon both logistics and tourism infrastructure will improve. I think, already in the next season.
            Quote: atalef
            especially patriotic should be clear. that all the security forces will have a rest in Crimea at the state expense (those for your money are budget 0 because a reasonable person will not go there for his own money (at least now)

            Is the word "delirium" too offensive for you? Sorry, but there is no other. And the scarcity of vocabulary has nothing to do with it.
            Quote: atalef
            Although there before was far from ice.

            You can’t argue with that. In the Ukrainian period, Crimea was bad there.
            1. atalef
              atalef 23 May 2014 20: 53
              +1
              Quote: matRoss
              It’s strange that he slipped away. Did you pay somewhere in Russia with dollars?

              And nowhere (except for the States and a few more state-in) do not pay dollars, but this does not mean that he is not in use.
              I don’t know the same currency as U.E. - but it is laughing

              Quote: matRoss
              This is not a good topic for fun. Crimea returned to Russia. And soon both logistics and tourism infrastructure will improve. I think, already in the next season.

              Sorry . and people were already eager for it ... but for some reason it’s not going

              Quote: matRoss
              Is the word "nonsense" too offensive for you?

              well no . quite literary
              And on the topic that something is possible?

              Quote: matRoss
              You can’t argue with that. In the Ukrainian period, Crimea was bad there.

              Well, I am familiar with the Crimea in Soviet times. and served in Evpatoria and the husband of the sister from Simferopol.
              1. matross
                matross 23 May 2014 22: 24
                0
                Quote: atalef
                And on the topic that something is possible?

                Excuse me. "All the siloviki" are resting at their own expense, including in the Crimea.
  • MolGro
    MolGro 23 May 2014 17: 40
    +6
    make dreams come true!
  • Glory of the Great Russian Empire
    +2
    Interesting article. I am just writing the FQP on currency speculation and I am interested in the question "What if we move away from the dollar? What will happen to trade on the MWR?" ...
  • Andreitch
    Andreitch 23 May 2014 17: 48
    +2
    Hazin finally said his weighty word. I simply respect this smart person and citizen.
    1. Cams
      Cams 23 May 2014 17: 51
      0
      Hazin was blown away. It was, but it all came out. Outbid him ..
      1. grog_bm
        grog_bm 23 May 2014 18: 09
        +5
        Khazin is right, and it’s not worth talking about his corruption))) Strange, but he speaks a lot like Glazyev ... the cant only is that these people do not steer the government ... And you would not want to get a mortgage loan under 2- 3% and not as it is now under at best under 11% ??? Yes, for this year, our valiant Central Bank raised the rate starting from 5% and now the refinancing rate is 7,5%, and this is the rate for banks - banks cannot work at a loss and pay at least 2 times interest .... that is not clear here ??? So it is with business development and so on and so forth ... something like that ...
        1. GRAY
          GRAY 23 May 2014 18: 40
          0
          The interest rate on the loan is directly dependent on inflation. If the percentage is low, inflation will eat it up and the bank will not make a profit.
          If Rosstat writes that inflation in 2013 amounted to 6,5%, then this should be read as 9 - 10%, therefore a mortgage loan at 11% is generally a freebie.
          1. atalef
            atalef 23 May 2014 19: 04
            0
            Quote: GRAY
            The interest rate on the loan is directly dependent on inflation. If the percentage is low, inflation will eat it up and the bank will not make a profit.
            If Rosstat writes that inflation in 2013 amounted to 6,5%, then this should be read as 9 - 10%, therefore a mortgage loan at 11% is generally a freebie.

            A freebie in the event that your salary is tied to the inflation rate. hi
          2. VAF
            VAF 23 May 2014 21: 21
            0
            Quote: GRAY
            The interest rate on the loan is directly dependent on inflation. If the percentage is low, inflation will eat it up and the bank will not make a profit.


            Not a single fundamentalist in the world has solved the problem yet. So what is inflation or the refinancing rate primary !!!!
            The interest rate on the loan does not depend on inflation for any reason:
            1. There is a% refund rate.
            2. There is a bank that has its own costs and expenses + plus the bank also wants to earn the same ... here is your% interest rate on the loan as anyone wants to make you .. earn.
            3. Inflation is an artificially created product that is beneficial primarily to the Central Bank, and to all other banks. Which play these games of patriots.
            find at least one western bank that gives such% interest rates on deposits ... from 10% and higher ... for people with money .. you can go crazy .. how can you live happily ever after!
            And in the end, the bank will never be without profit .. you’ll be in transit. It’s like with a gas contract ... we are all in transit, except for Gazprom.
            About the fact that there will be development and construction, etc., it is not necessary ... everything will subsequently be "devoured" by an increase in the tax burden on us and higher prices!
            Without cons and with respect! drinks
        2. atalef
          atalef 23 May 2014 18: 47
          +2
          Quote: grog_bm
          And would you like to get a mortgage loan at 2-3% and not as it is now at best at 11%?

          in general, taking a mortgage in excess of 7.5% is suicide (in any case, they say so with us)

          Quote: grog_bm
          Yes, this year our valiant Central Bank raised the rate from 5% several times and now the refinancing rate is 7,5%, and this is the rate for banks

          Well, people forgot about it 9 by the way, it happened right after entering Crimea 0. what is a 2.55 rate increase for the economy during the recession period - another nail in the coffin lid. more precisely in the prospects for increasing GDP.
      2. atalef
        atalef 23 May 2014 18: 44
        -3
        Quote: KAMLS
        Hazin was blown away. It was, but it all came out. Outbid him ..

        But what, the fact that the economy and the population has been re-credited above all norms is a secret?
      3. Akvadra
        Akvadra 23 May 2014 18: 59
        0
        "he's some kind of sugary. One word is Romanian" (brother2). But seriously, the forecasts of this analyst are often negative or even panicky. Fortunately, they don't come true often.
  • Nitarius
    Nitarius 23 May 2014 17: 51
    -3
    Honestly, Mr. Khazin! like a calf in Cow TITLE-RUSSIA!
    waiting for golden milk all the time! and he DOESN’T WANT to do anything!
    HE took up REAL WORK and not BARK
  • Romeohihnic
    Romeohihnic 23 May 2014 17: 51
    0
    Cool photo would be right like that
    Quote: MolGro
    make dreams come true!
  • uzer 13
    uzer 13 23 May 2014 17: 52
    +11
    It is enough to learn how to live within our means, and there will be no financial problems.
  • GELEZNII_KAPUT
    GELEZNII_KAPUT 23 May 2014 17: 53
    0
    Everything about the case! And it is already felt.
  • Barakuda
    Barakuda 23 May 2014 17: 57
    +4
    Just do not borrow, and the best thing - DO NOT GIVE! And no problem.

    Hesitated already to feed the Western banking system ....
  • soyuz-nik
    soyuz-nik 23 May 2014 17: 57
    -2
    Good health, I wish! hi

    In Russia, serfdom was officially abolished in 1861. Then troubles and revolution. Fists - dispossessed. Industrialists - kicked out. The owner is not created (whether it is land or plant). 70 years of work on the plan and window dress. (Now, if they still paid me for quality - from Raikin). They fought with entrepreneurs (there was an article in the Criminal Code of speculation).

    Now the oligarchic economy and the persecution of liberal ideas (an echo of the totalitarian crowdism) have flourished. Liberalism is not a panacea, but without true liberalism, the economy will depend on mineral resources and suffocate. The people for the most part will whine "state, help" (echoes of socialist dependence), officials will mock the people, oligarchs and rogues will skim the cream ...

    May the Force be with us!
    1. smile
      smile 23 May 2014 18: 35
      +3
      soyuz-nik
      Are you a Jedi? Are you telling us about the usefulness of liberalism, which skated across the Russian population in the nineties straight from the planet Nibiru? Or from the Death Star? :))) Does the sword not stop you from thinking?

      In comparison, with the mess that was in the late nineties and the beginning of the two thousandth, we now have a perfect order ... :))) In any case, we are crawling energetically from the grave. By the way, not one of Khazin’s terrible prophecies has ever been realized .... here is such a prophet ... :))) How many our liberal liberal clicks screamed that tomorrow the policy of bad Putin would cover Russia with a burgundy hat .... en, somehow it went wrong with them .... :)))
      1. atalef
        atalef 23 May 2014 19: 08
        -4
        Quote: smile
        In comparison, with the mess that was in the late nineties and early two thousandths, we now have a perfect order ..

        And compared with serfdom - in general, paradise.
        What does it have to do with it?
        Are you tired of (as in the USSR) comparing the economy with the level of 1913?

        Quote: smile
        By the way, not one of their terrible prophecies of Khazin has ever been realized .... here is such a prophet ... :))

        But it’s a pity, a year and a half ago, he wrote about the imminent sunset of the dollar and in VO under applause he was called almost a prophet, but seriously. that the economy and population are over-credited above the roof - everyone knows
        1. smile
          smile 23 May 2014 19: 23
          +1
          atalef
          We are not tired of comparing with what was less than a dozen and a half years ago. And with what it was ten years ago. And with what happened five years ago. The tendency to improve the economic situation is unchanged. No terrible collapse. crazy recessions. Or it’s not worth comparing like that, because then it’s inconvenient to yell that all polymers are in progress and we will certainly collapse. :)))
          Or have you not noticed, to put it mildly, the incorrectness of your mention of the habit of comparing with 1913? Sorry, but I won’t believe you here - you’re a great smart girl. :)))

          Well, sorry — not sorry, but Khazin’s prophecies have never been fulfilled, no matter what he predicted. Such, you see, from him a prophet ... :)))

          By the way, can I also try to prophesy? :))) Well, Duc, I’m broadcasting - if the dollar suddenly "rolls over" in the near future, then all over the world it will be so hot that all the recent crisis will seem like a breeze, including to us. :))) I guess you perfectly understand why. :)))
          1. atalef
            atalef 23 May 2014 20: 59
            +3
            Quote: smile
            atalef
            We are not tired of comparing with what was less than a dozen and a half years ago.

            but I don’t compare. it’s the people here that the USSR recalls. then tsarist russia
            Quote: smile
            The tendency to improve the economic situation is unchanged.

            I’m ready to argue with that, as if I’ll say just the example of Germany. that before joining the EU they lived much better

            Quote: smile
            No terrible collapse. crazy recessions

            Well yes . 1997. 2001 and 2008 - were already so long ago, almost BC.

            Quote: smile
            Or didn’t you notice, to put it mildly, the incorrectness of your mention of the habit of comparing with 1913?

            I have never lived since 1913. neither since 1941, nor even more so since the USSR. What died is dead. Read my posts carefully

            Quote: smile
            Well, sorry — not sorry, but Khazin’s prophecies have never been fulfilled, no matter what he predicted. Such, you see, from him a prophet ... :))

            everyone sees. what he wants to see. the truth is at least in the middle.
            Only a recession is a fact. Is Elijah wrong?

            Quote: smile
            Well Duc, I’m broadcasting - if the dollar suddenly "rolls down" in the near future, then all over the world it will be so hot that all the recent crisis will seem like a breeze, including to us.

            I agree . only it will not roll and therefore you (like me) have nothing to worry about.
            hi
            1. smile
              smile 23 May 2014 21: 40
              -2
              atalef
              :))) Mdya ... This ... that ... maybe you should be more careful yourself? :)))
              In my words about that. what is better now. than a dozen and a half years ago you wrote - quote:
              "Aren't you tired (as in the USSR) to compare the economy with the level of 1913?"

              That is, you stated that I am. as in the days of the USSR, I have the annoying habit of comparing with the centuries ago ... and which made me say:

              "Or have you not noticed, to put it mildly, the incorrectness of your mention of the habit of comparing with 1913?"
              Now you are writing:
              "But I don't compare. It is here that the people of the USSR remember. That of Tsarist Russia" ...
              in my opinion, you messed up something ... I will not comment.

              And 97 was back in the days of the Elbon, when we flew to tartarara, 2001 - the very beginning of the changes and the period of clashes with the oligarchs, clarification. who is more important ... :))) in 2008, no super-catastrophes occurred, although the year was hard, but what I saw in Europe at that time was much stronger. The current recession - sorry, arrogant lies, although for various reasons, including political, there are hesitations.
              1. atalef
                atalef 23 May 2014 21: 54
                +1
                Quote: smile
                )) Mdya ... This ... that ... maybe you yourself should be more careful? :)))
                In my words about that. what is better now. than a dozen and a half years ago you wrote - quote:
                "Aren't you tired (as in the USSR) to compare the economy with the level of 1913?

                Maybe I misunderstood you hi

                Quote: smile
                oh have you stated that I am. as in the days of the USSR, I have the annoying habit of comparing with the centuries ago ... and which made me say:

                Well, we have been on the site for a long time. So . that no offense. if on you.
                Nevertheless, you have this habit (to compare)
                Quote: smile
                And 97 was back in the days of the Elbon, when we flew to tartarara,

                well, so the country broke up

                Quote: smile
                , 2001 - the very beginning of change and the period of a showdown with the oligarchs, clarification. who is more important ... :)))

                more precisely the appointment of new oligarchs

                Quote: smile
                In 2008, no super catastrophes occurred, although the year was difficult, but what I saw in Europe at that time was much stronger.

                Well, in Russia it was simply never easy. therefore, they really didn’t understand. although in 2008 Europe lived like we still have a long time to live and this is in crisis
                Quote: smile
                The current recession - sorry, arrogant lies, although for various reasons, including political, there are hesitations.

                This is not a lie (do not fool yourself), therefore, the ruble dipped and inflation and so on.
                1. smile
                  smile 23 May 2014 23: 14
                  +1
                  atalef
                  Contacting "you" is welcome. What grievances can there be?
                  We are all at times mistaken; I am at least as mistaken as you.
                  And there is a habit of comparing, it’s so ... but I try to compare comparable concepts in comparable time periods. In any case, I try. :)))
                  It is clear that when some of the oligarchs were caught up, who tried to rule in the country and put in some way (only with time) the others, spare players appeared or were replaced ... the water will find a hole ... :))))
                  There is no question of a recession, only a decrease in growth rates. This is still somewhat different.
                  Well, the fact that in many developed countries of the West the standard of living is higher than ours is no secret. But the trends, as a whole, are still the opposite. Moreover, so far we are only recovering from the cataclysms of the 90s.
        2. Anatolich
          Anatolich 23 May 2014 19: 48
          +3
          Oh well! But how well they live in free Ukraine now! And we discuss slaves here where it is better to have a rest in Turkey, Egypt or in the Crimea
      2. soyuz-nik
        soyuz-nik 23 May 2014 19: 25
        0
        Good health, I wish! hi

        For a long time in Russia there was one bogeyman - railroads, then (in the USSR) - capitalism, now ch.hly, liberalism and liberalists were added.

        Russia embodied the ideas of communism (the version of Marxism-Leninism), one of the tenets of which was the rejection of private ownership of the means of production, and many people believed in this idea.

        Now in Russia the idea of ​​communism is not held in high esteem. Those. and liberalism is "not for us", and they renounced communism, but did not offer anything of their own ... The Chinese now have socialism with Chinese characteristics, and the North Koreans are left with their Juche ideas.

        My thesis is this: in some issues, there is NO alternative to liberalism, in some - from liberalism more harm than good. And not always what we see is liberalism. Socialism, in my opinion, has one serious drawback - the lack of interest among citizens to compete in creating new products (in the USSR, for example, there was such a concept "socialist competition", and the capitalists call it competition).

        As a lawyer, I have, as they say, a "break in the template": the modern dominant concept of law - the so-called. "natural right" (rights belong to all people from birth and all people are equal; do not believe - look at the Constitution of the Russian Federation), but if you BE CONSISTENT in this concept, then you should recognize the right of ZHOPALAZ0V to marry ... and from this horror, because it is very difficult for me to explain to my son why "uncle and uncle are bad, but possible" negative ... Therefore, as you can see, an idea that looks like a plausible, in some questions causes a "break in the template". About the same bullshit with liberalism.

        Remove the income from hydrocarbons from the foreign trade balance of the Russian Federation (or, if you prefer, Kazakhstan), then nothing will remain. You can "kick" liberalism as much as you want, but for some reason the main part of the achievements of mankind was created in the damned West, and this is a medical fact (if you do not agree, then be consistent and HONEST, and throw out from your life everything that is produced (and invented) not in Russia or the Union).

        You, Dear, are ready to return to the scoop and waive the right, for example, to own a machine tool, a shop, etc. by the list?

        Respectfully, may the Force abide with us!
        1. smile
          smile 23 May 2014 20: 28
          +2
          soyuz-nik
          Have a nice one you too.
          1. Regarding the rights of these ... which which :))) you should not use such rhetorical devices - this is not a buzz. :)))
          The fact is that since all people are equal and have the same rights from birth, they all have the same and equal rights to marry a capable person of the opposite sex who has reached marriageable age. Regardless of whether they are homosexual or not. And everyone is equally forbidden to marry a person of the same sex as the marriage. :))) Again, regardless of the orientation of the person. So, there are no contradictions, but what you are talking about - elementary juggling - in vain tore your template. Could still serve. I'm sorry.
          2. Comparing capitalism with socialism is laziness, but the fact that our country suffered a temporary defeat in the Cold War is by no means evidence of this. that socialism is worse. If there had been no socialism, the workers would have worked 10 hours a day, and people would not have as many social guarantees as they are now in the West. By the way, the social network there is now rapidly and steadily declining. So that socialism is socialism, like capitalism, capitalism is different. It all depends on the country of the idea. Here your statement about that would be more appropriate. that something is better, something worse.
          3. Liberalism, as a concept, has completely discredited itself, approximately, like the ideas of Juche or Nazism. And we clearly observed this at home. Chicago boys helped watch.
          4. Concerning hydrocarbons. Firstly, the strongly liberal US did not interfere earlier with being a leader in hydrocarbon exports. Now this also does not interfere violently, regardless of anything, to break into the gas and oil market, both European and Southeast Asian countries, want us to oust us from the European hydrocarbon market. Some of their specialists believe that they will succeed, some do not. But, for reference, in the United States annually the number of issued licenses for the export of oil and gas increases by about 30-40 percent annually (I don’t remember the exact number, but I’m looking for laziness). Thus, the great United States is passionately longing to trade in raw materials. Why do you think so? :))) I'm not saying that the export of hydrocarbons is not only money for the development of the country, but also a serious foreign policy lever.
          5. The statement that the main part of the achievements of mankind was created precisely in the West (if we exclude us) is generally ridiculous. Not only is this not true (Ancient Rome and Greece - we exclude it, since the Christian West was not their successor, but was actually an antagonist), and China and Egypt, and the Arabs, who taught the wild crusaders to wash, ... and we, finally? So besides that, the West has brought so much d ... ma to the World that it’s getting creepy - well, these cannibals are such .... :)))
          6. At present, a return to Socialism is unfortunately unlikely. But, I ask you not to distort, as usual. China is full of billionaires, this does not prevent China from being socialist and developing by leaps and bounds.

          So, dear Mr. Lawyer, your argument has been declared insolvent. The arguments are unconvincing. You have been denied admitting that you are right.

          And the hare is already distorting, honestly :))).
          1. atalef
            atalef 23 May 2014 21: 11
            +1
            Quote: smile
            It is too lazy to compare capitalism with socialism, but the fact that our country suffered a temporary defeat in the Cold War is by no means evidence of this. that socialism is worse

            But certainly not proof that he is better.
            By the way, they have not begun to live better in any country (under socialism). And can you argue with this fact?

            Quote: smile
            If there had been no socialism, the workers would have worked 10 hours a day, and people would not have as many social guarantees as they are now in the West.

            come on . Well chesslovo. You have no idea. what guarantees and social packages exist in capitalism. and if in your opinion (and they repeated everything after socialism), then a priori there it should have been the same (maximum) or slightly worse.
            However . What are the real rights (of the worker), I understood only in the cap. country.
            Quote: smile
            Now this also does not interfere violently, regardless of anything, to break into the gas and oil market, both European and Southeast Asian countries, want to force us out

            legitimate desire, Gazprom is trying to supplant competitors and they are vice versa. Why not ?
            Quote: smile
            I'm not saying that the export of hydrocarbons is not only money for the development of the country, but also a serious foreign policy lever.

            The world is changing, the gunboats do not decide everything. The states understood this.
            Quote: smile
            . The statement that the main part of the achievements of mankind was created precisely in the West (if we exclude us) is generally ridiculous.

            in vain. because . I’ll ask for an example. No need to talk about inventions. We are talking about economic models. public models, etc. By the way, Rome and Greece are still the West.
            Quote: smile
            Unfortunately, a return to Socialism is unlikely at present.

            Soviet type. I would say.
            Because The Scandinavians in general are socialist countries - it’s just that there are not Marxists and communists in power - that's why everything is in order.

            Quote: smile
            So, dear Mr. Lawyer, your argument has been declared insolvent. The arguments are unconvincing. You have been denied admitting that you are right.

            And the hare is already distorting, honestly :))

            But in vain. his post is largely adequate. hi
            1. smile
              smile 23 May 2014 21: 56
              +2
              atalef
              Regarding the fact that I can not imagine what the social network is there ..... Please do not be so self-confident. :))) What are the social guarantees there, I know no worse than you. Almost all my relatives live and work in Europe in my country, and there are no emigrants among them. Yes, and I do not sit nailed to the Kaliningrad region. :))) So, the social network is being cut there every year ... they don’t pull.

              Also, please be careful, I said that all social guarantees under capitalism appeared due to competition with us.

              You also preferred not to notice what I said that the trade in hydrocarbons is not a sign of backwardness. and gave an example of how the US is now trying to actively sit on the oil and gas needle .... I'm sorry, but are you tired? Or didn’t you read what I answered? :)))

              And there is no need to divert the conversation aside. specific words to which I answered sounded - "the achievements of mankind." All. otherwise. that it was just about economic models - your fantasies. The Arabs took an order of magnitude more from Rome and Greece than Europe. Your statement that Europe is the heir is akin to recognizing me as the heir to the achievements of the completely destroyed Prussians, since I live in the Kaliningrad region. :))) The entire heritage of Antiquity was exterminated and persecuted in Europe with a pathological sequence, approximately, like the population of Tasmania and the population of marsupial wolves. :)))

              The post would be adequate if its author did not use massively rhetorical methods. which are intolerantly called "distortion" or banal cheating. :)))
          2. soyuz-nik
            soyuz-nik 23 May 2014 21: 45
            +2
            Good health, I wish! hi Thank you for the discussion and arguments!

            I to you, Dear, that not all functions are linear. Your call to limit the use of certain rhetorical devices, IMHO, looks like censorship, and this is just not gut .... And there is no gut to go over to personalities and insults (I'm not talking about you, but in general) drinks

            1. Thank you for your comment on the CoBS! What people call LAWS, IMHO, they are not, because, IMHO, the Law of universal gravitation is the same LAW, and you can't get away from it, but human "laws" (in the sense of written acts) are changeable and, sorry, extensible and holes (why - not one bubble will have to crush!). There was responsibility in the Criminal Code of the RSFSR for speculation, but now this is entrepreneurship, and this is NOW gut. I don’t know what will happen tomorrow! But IF to be CONSISTENT, then the PRINCIPLE of equality should be extended to those about whom there is no gut, whether they are wrong! And then the COBS norm is only a convention (reservation). This is not about those about whom there is no gut. The point is that any "-ism" as a function in some parts is a gut, and in some it is not a gut. And discussions are about which part of "-ism" is gut, and which part is not gut, and where to put reservations (conventions). For what is good for a boa constrictor is not always good for a rabbit (be it liberalism, socialism, capitalism, etc.)
            2. In the Cold War, unfortunately, our country was defeated, and comparing socialism and capitalism is pointless and not my goal. I tell you, Dear, that both socialism and liberalism, as a function, are gut somewhere and not gut somewhere (in particular, IMHO, socialism is the cause of dependency and laziness in its extreme manifestation, and comrade. Andropov at one time struggled with parasites). By the way, do not remind me in which year in the socialist Union they introduced a working 5-day?
            3. In the Russian Federation, both you and we observed (and are observing!), IMHO, not liberalism. The stupidity was that, IMHO, the cough was treated with purgen: for example, vouchers, corporatization were muddied, and vodka was more expensive for a peasant (what is the action for him - ber bars). Moreover, this was multiplied by holey (sorry, Lord) and tensile laws (+ officials, etc.). As a result, a man, like a bear, has tops from beets and roots from wheat.
            4. What is the share of hydrocarbon exports in the US trade balance? The same as in the Russian Federation or KZ-mill? Somewhere I came across the idea that when discussing the issue of accepting the Russian Federation in the G8 or not, one of the counterarguments was that the General Electric budget exceeded (possibly at that time) the Russian budget. I’m saying that for the SGA, the trade in their hydrocarbons is not as vital as for the Russian Federation (or, if you will, the KZ-mill).
            5. The Lord is with you, Dear! You still remember what happened before the creation of the world. I explain to you that one of the most important functions of the human mind - the HEURIST, unfortunately, works better in the sworn west with its capitalism and liberalism.
            6. China is what it is, rather a "merit" not of socialism, but of Confucianism.

            As they say, a pendel on a table with checkers, chess, backgammon and other board games automatically means a win - this is about your "judgment" on the "strength" of my arguments.

            And which of us juggles?

            With uv, May the Force be with us drinks
            1. smile
              smile 23 May 2014 23: 00
              +1
              soyuz-nik
              I liked this comment of yours much more. :)))
              I will answer briefly, okay?
              “Well, what kind of censorship is there, you and I are completely equal, and I am able to limit you in writing something exactly as much as you do me.” No way. :)))
              - we won’t talk about normative acts and isms - we’ll stick to nafing ... :)))
              - the remark is appropriate about the share of hydrocarbon export in the trade balance, but ... don’t shoot the pianist, he plays as he can .... :))) especially since we are not able to develop everything right away, after a period of liberalism we still far from recovered. And this is precisely what the export of hydrocarbons provides. :))) I brought the United States because if they could, they would export as many hydrocarbons as they could, regardless of how much export they would occupy, at least 90%.
              - The fact that in the West, as you put it, the "heuristic function" does not work better for sure. clearly demonstrated our achievements, and also continue to demonstrate the achievements of China. And Confucianism, although it is a respected worldview, according to its postulates, China does not live.
              - I did not jerk :))) in any case, the evidence of "jerking" was not voiced ... :)))
              Well, okay, may the Force be with you, if you so wish ... :)))
        2. ussr1960
          ussr1960 23 May 2014 21: 25
          +1
          Quote: soyuz-nik
          Socialism, in my opinion, has one serious drawback - the lack of interest among citizens in competition in the creation of new products (in the USSR, for example, there was such a concept of "socialist competition"

          Just interest in the competition in the USSR was reinforced by diplomas and passing pennants and did not have real financial incentives. Prizes for winning the social competition were insignificant in size and were paid to the team in almost equal parts. But enough to mark the prize. drinks And the creation of new products led Gosplan.
          1. soyuz-nik
            soyuz-nik 23 May 2014 22: 31
            0
            Good health, I wish! hi

            The problem is that the State Planning Administration did not direct what was necessary and not as it should!
            It was noted that the country has expired!

            Yours faithfully,

            drinks
    2. Andreitch
      Andreitch 23 May 2014 19: 03
      +1
      About serfdom (slavery), in the United States the abolition of slavery was declared a year later, implementation lagged another 3 years.
      1. soyuz-nik
        soyuz-nik 23 May 2014 20: 25
        0
        Good health, I wish!

        And after the abolition of slavery in the United States, was there a revolution, civil war, communism, domestic war, developed socialism, mass camps and the extermination of one’s own people?

        hi

        1. atalef
          atalef 23 May 2014 21: 12
          +2
          Quote: soyuz-nik
          Good health, I wish!

          And after the abolition of slavery in the United States, was there a revolution, civil war, communism, domestic war, developed socialism, mass camps and the extermination of one’s own people?

          hi

          Oh lieutenant, don't be you a marshal wink
          1. soyuz-nik
            soyuz-nik 23 May 2014 22: 32
            0
            Good health, I wish! hi

            Yavol, Mine Führer! (No offense!) I mean, I will try!

            drinks
        2. smile
          smile 23 May 2014 22: 05
          +1
          soyuz-nik
          No. After that, the United States basically only organized wars and seized foreign territories, foreign resources, enslaved countries. Nobody attacked them, they did not have to fight for their existence, they only fought for the good of others. But what you listed either did not have a place in our history, or was dictated by the struggle for existence. Take an interest in the famine in the USA and the labor armies .... take an interest in the real numbers brought to justice with us and with them. Wither. :)))
          And no one has destroyed our people, why repeat absurdly stupid cliches of others? No need to lie so brazenly, it won’t work here, people have brains and knowledge.
          1. soyuz-nik
            soyuz-nik 23 May 2014 23: 00
            +2
            Good health, I wish! hi

            Dear! I’m saying that over the past 100-150 years, the Russian (Soviet) peasant (person) practically did not have a period for his normal life and development: either war, experiment, revolution, expropriation, collectivism, then catch up and overtake , then the materials of the next Congress of the CPSU, then corn, then some kind of crap. And then privatization, voucherization and more ...

            And if you, Dear, do not see this, then whether you are at least the Generalissimo, it is with you to discuss what to cut the pig ....

            Now in the Russian Federation the same liberalism as in the USSR is socialism (the workers of the villages in the USSR were issued passports already in 1961, and how did they differ from serfs?). Ideally, the USSR did not (and does not exist in Russia) either one or the other.

            I heard about the Holodomor in the United States, and about the destruction of the pale-faced Indians. Is it only Russia (Kazakhstan) or the Union that makes it easier? In the States, blacks are lynched! About the argument "There is no sex in the USSR!" YOU Malchu!

            Look how many Russians drive German cars and how many Germans drive Russian ones? How many Russians use the Pindo Internet, and how many Pindoses use the Russian Internet? And explain to me, the "lieutenant": (A) why is this so and (B) when will it be the other way around? Give a specific date, if you, comrades "marshals" and "generalissimos" are so brains!

            I have the honor! soldier drinks
            1. smile
              smile 24 May 2014 01: 03
              0
              soyuz-nik
              :))) I carefully looked around, there is nobody here but me, therefore you should not call me in the plural. Honestly - in vain. Or is it that the presence of the Force abiding with you affects you? :)))

              The fact that our country did not manage to sit behind the anti-tank ditch, called the Atlantic Ocean, in that. that neighbors constantly came to us, either from the West, then from the South, or from the East, and we had to pay a return visit, we are not guilty. Karma, you see, like that. :))) Moreover, it was not only in the last 150 years - before that it was all the same. This is obvious to everyone. Why talk about it? In the same way, it is obvious that no one exterminated our people, the mass camps were not so massive - now there are much more people sitting in non-mass US camps (you will not say that the Americans are pathologically criminal). And it’s very good that you stopped mentioning this bike. :)))

              If you do not want to discuss with me, so what makes you? What, me again? Chapel too- me? Do not like Chingachguk - do not eat. :)))

              You are talking about the absence of liberalism and socialism in our "ideally" here why are you interpreting? To prove that there was no one worse than us? :))) By the way, where and what was "ideally"?

              Wah, you could not resist mentioning the phrase "about the absence of sekas" .... :))) Well, how is it included in the obligatory set of the propagandist ... :))) You at least know about that. What did Madame mean when she said this, and the context of the phrase? Take an interest and you will not want to laugh and flaunt this phrase, unless, of course, you are a supporter of promiscuity. :)))

              And what's your weird question about cars? Why are you asking him, clearly considering him a win-win? And an indicator of what do you think leadership in the automotive industry? This can serve as an argument in whether Comrade Svanidze is right in describing our history? You, by the way, are not familiar. that in some areas we were ahead of the Germans much more. than the Germans us in the manufacture of cars? :)))

              And, if not laziness, answer the question - well, what's the difference, what is my or your rating? Is he really that important to you? what do you pay so much attention to him? :))) You can take my word for it - it does not mean anything, except that I have been visiting this site for a long time.

              By the way, it is very pleasing that you, mentioning our real or imaginary shortcomings, do not slip into nationalism, and do not blame us all. This suggests that you really have the honor.
              Good luck.
              1. Anatolich
                Anatolich 24 May 2014 09: 56
                0
                It may be out of place, but I would like to add that many "super developed" European countries are adopting mathematical programs of the Soviet era, in particular, it is Great Britain and either Denmark or Sweden
  • Leader
    Leader 23 May 2014 18: 05
    +3
    For some reason, practically all these unshaven pessimists - "analysts" - are Jews ... Strange ...
    1. Barakuda
      Barakuda 23 May 2014 18: 20
      +3
      There is nothing strange. Parasites that know how to make a wabble out of nothing, and on our blood. And we are all being conducted .. (I'm not talking about everyone).
    2. atalef
      atalef 23 May 2014 18: 49
      -2
      Quote: Leader
      For some reason, practically all these unshaven pessimists - "analysts" - are Jews ... Strange ...

      it’s just that among the Jews there are many realists and educated people — these are in the genes, otherwise they would not have survived.
      1. kombat58
        kombat58 23 May 2014 20: 30
        -2
        Judging by the flag next to the nickname you are saying this to yourself!
        Do not flatter yourself. Do not.
        Your liberalistic inclinations will be evaluated by time and OUR RESPONSE ACTIONS!
        As always, to your regret.
        1. atalef
          atalef 23 May 2014 22: 27
          -2
          Quote: kombat58
          Judging by the flag next to the nickname you are saying this to yourself!

          I told you realists.
          And if you read my post correctly, you would see

          Quote: atalef
          it’s just that among the Jews there are many realists and educated people — these are in the genes, otherwise they would not have survived.

          A lot - I did not say everything. Of course, I am not among these many. Maybe of course and a realist. but far from the smartest

          Quote: kombat58
          Your liberalistic inclinations will be evaluated by time and OUR RESPONSE ACTIONS!

          Well, about the response, I see them very often. Keep coming to us for treatment. otherwise I’m afraid many will simply not live to see how these actions happen.
          laughing

          Quote: kombat58
          As always, to your regret.

          Why are you so sure. that I regret human stupidity? Go on. it makes it possible to feel a little gray - among such a black mass as ... people of your level
    3. VAF
      VAF 23 May 2014 21: 45
      +4
      Quote: Leader
      For some reason, practically all these unshaven pessimists - "analysts" - are Jews ... Strange ..


      Yeah ... weird ... wassat Neither oil nor gas. They live like a volcano (they are constantly fighting). but at the same time:
      1. The best and most advanced medicine in the world.
      2. Almost the best electronics.
      3. The best security and intelligence service.
      4. THE MOST READY AND UNFORGETABLE AIR FORCES IN THE WORLD !!! soldier (You bet wassat )
  • Giant thought
    Giant thought 23 May 2014 18: 09
    +2
    Our liberal government needs to resign for a long time, but apparently they will bring the matter to a complete collapse and leave with a sense of accomplishment.
    1. soyuz-nik
      soyuz-nik 23 May 2014 18: 31
      0
      Good health, I wish! hi

      Announce the entire list, please! (in the sense, your proposals for political, social, economic and other programs; your candidacies?)
    2. Andreitch
      Andreitch 23 May 2014 18: 58
      +2
      Who imposed the idea on you that our government is liberal or illiberal?
      Personally, for me, it's just NO!
      IMHO. You need to change a lot, and quickly, but not "with checkers at the ready".
      1. soyuz-nik
        soyuz-nik 23 May 2014 20: 31
        0
        Good health, I wish!

        Here, on the part of "who imposed on you ..." I agree with you! drinks

        IMHO, the main problem is that rulers are not responsible! Those. governments are for the most part irresponsible. And whether they are liberal or not, this is already secondary.

        May the Force be with us! hi
  • jPilot
    jPilot 23 May 2014 18: 12
    +3
    Loans from the dollar must be torn unambiguously, and the interest on loans is overstated, we have clearly and long known to everyone, because bankers are pledged to all possible risks. Hence the high interest
    1. atalef
      atalef 23 May 2014 18: 51
      -1
      Quote: jPilot
      Loans from the dollar must be torn clearly

      belay domestic loans in rubles


      Quote: jPilot
      and interest on loans is overstated, we clearly and have long known

      With a central bank rate of 7.5% - less cannot be a priori.
      By the way, a person decides to take loans or not
    2. jktu66
      jktu66 23 May 2014 18: 57
      0
      Loans from the dollar must be torn unambiguously, and interest on loans is overstated
      a vicious circle, for economic growth production is needed, but it is not profitable and without credit does not make sense, and again it is more profitable to get a loan and buy $ ... There is a shortage of cash in the country, but they are afraid to add it to circulation.
      1. atalef
        atalef 23 May 2014 19: 10
        +1
        Quote: jktu66
        There is a shortage of cash in the country, but they are afraid to add it to circulation.

        Because . that it will cause inflation. The mass of cash should be tied to the level of goods and services on the market. excess of the money supply of this indicator leads to inflation.
        1. soyuz-nik
          soyuz-nik 23 May 2014 23: 06
          +1
          Good health, I wish! hi

          From economic theory, I also heard about this, but recently I heard from one of the members of the Government of the Russian Federation (by box) that an increase in the money supply is permissible if it is sent to infrastructure projects. Cho do this - I do not know! request
    3. Turkir
      Turkir 23 May 2014 19: 24
      +3
      Bankers with dual citizenship are involved in financial transactions for which they are not entitled. Briefly - they are not engaged in their own business.
  • pavel_SPB
    pavel_SPB 23 May 2014 18: 17
    +2
    because it is necessary to make the Central Bank public and not private .... as it is now !!!
    1. atalef
      atalef 23 May 2014 18: 53
      -2
      Quote: pavel_SPB
      because it is necessary to make the Central Bank public and not private .... as it is now !!!

      The central bank is not private. But he (as in the whole world) has full autonomy
      Do you like in Zimbabwe, Venezuela? There, the bank is completely under the control of the president - the result is in person.
      1. soyuz-nik
        soyuz-nik 23 May 2014 23: 10
        +1
        Good health, I wish! hi

        IMHO, I'm afraid that between the declared and real independence (accountability, subordination to the state, etc.), as usual, there may be some delta ..... what

        With uv ....
      2. Normal
        Normal 23 May 2014 23: 41
        +1
        Quote: atalef
        There, the bank is completely under the control of the president - the result is in person.


        Are we not under the control of the President?
        No, I understand that in Zimbabwe control is fixed by law, and in our country the Central Bank has legislative autonomy.
        But we all understand ...
        We just have a certain scope for maneuver. For manual control, the scope of the law is only a hindrance.
        In manual (and at the same time tacit) mode it’s easier to manage, and responsibility is transferred to the contractor.
        But when they say that in our country the Central Bank does not belong to the state, that the government has no opportunity to influence the policy of the Central Bank, I find it ridiculous.
        Who is the Head of State? The president! Who proposes a candidate for the post of Chairman of the Central Bank? The president! After a “friendly” conversation with whom does any official resign abruptly for health reasons or in connection with a transfer to another job? The answer is well known.
        It turns out a simple chain.
        President> Senior Officials, including the Chairman of the Central Bank.
        And no independence from the state
        After all, as the famous monarch said, "The State is Me!"
  • Manul49
    Manul49 23 May 2014 18: 21
    +7
    I didn’t live on credit, and I never will.
    “You take other people's money for a while, and you give yours and forever.” Micah. Svetlov.
    1. atalef
      atalef 23 May 2014 18: 53
      -1
      Quote: Manul49
      I didn’t live on credit, and I never will.
      “You take other people's money for a while, and you give yours and forever.” Micah. Svetlov.

      Wonderful words, you probably live over the hill. Understand what’s what.
  • marder4
    marder4 23 May 2014 18: 26
    +3
    I took a loan only once, I was (to put it mildly) not satisfied, and since then I have not used this banking "service"
  • Draz
    Draz 23 May 2014 18: 33
    +2
    The author is nonsense, I speak as an employee of a bank in the field of credit risk analytics. fool

    My opinion and may not coincide with the opinion of the forum participants.
    1. atalef
      atalef 23 May 2014 19: 11
      0
      Quote: Draz
      The author is nonsense, I speak as an employee of a bank in the field of credit risk analytics. fool

      My opinion and may not coincide with the opinion of the forum participants.

      So maybe voice it (opinion) as a specialist. And then somehow unfounded hi
      1. Draz
        Draz 23 May 2014 21: 05
        +2
        You are welcome! hi

        Let's start by analyzing the article on quotes:

        Here is what RBC writes about this: “Citizens pay loans just as bad as they did three years ago. This is stated in the review of the delay in individuals of the agency "Sequoia Credit Consolidation".

        - As we see from this it follows that the situation has not changed with the solvency of borrowers.

        The following sentence:
        The reduction in the solvency of borrowers has already led to a record increase in bad debts: their share in the loan portfolio has approached a critical level - 5%.

        Credit portfolio for which product? For Sequoia’s report mainly concerns consumer credit, namely, it is a cash loan. 5% is a very relative and not real bar for a consumer loan, because these loans are not secured with anything (car loan - car pledged, mortgage - flat pledged), and therefore higher rates are required for reserves. It is not very clear in general what the author wanted to say.

        Moving on:
        "The growth in the volume of retail lending has reached a minimum value over the past four years. Since the beginning of the year, the market has grown by 3,5%, over the same period in 2013 - by 8,4%, in 2012 over the same period - by 10%.

        But overdue debt continues to grow at a record pace "

        So, what's wrong with that? Well, that is a drop in growth is not a signal to something bad.
        And the delay is never in place, there is interest, etc.
        A small example: we have 1000 credits, 999 get paid on time, and 1 didn't even start. It is very small. Over the next year, we issued in the same way, but the flow of customers fell, and over the next year we issued 500. that 1 loan has been growing all this time because interest dripped from total debt. Look - bah !!! Our delay has increased, and sales have fallen! guard! are closing!
        1. atalef
          atalef 23 May 2014 21: 24
          +2
          Quote: Draz
          Here is what RBC writes about this: “Citizens pay loans just as bad as they did three years ago. This is stated in the review of the delay in individuals of the agency "Sequoia Credit Consolidation".

          - As we see from this it follows that the situation has not changed with the solvency of borrowers.

          you didn’t read the article well
          A couple of years ago, interest payments for citizens amounted to 7% of income, at the beginning of this year - already 11%.


          Quote: Draz
          The growth in retail lending has reached its lowest level in the last four years. Since the beginning of the year, the market has grown by 3,5%, for the same period of 2013 of the year - by 8,4%, in 2012-m for the same period - by 10%.

          But overdue debt continues to grow at a record pace "

          What's not clear ? New loans are not taken. old ones do not return. Cash crisis.

          Quote: Draz
          So, what's wrong with that? Well, that is a drop in growth is not a signal to something bad.

          belay
          Quote: Draz
          And the delay is never in place, there is interest, etc.

          Yes, at least put a bankrupt on the counter - there is no money. What about assets? Fuck the bank needs a used car (or thousands of cars). and apartments (when there are thousands of 0 - to sell? But they don’t buy - a crisis (as Khazin says - purchasing power is falling) result - the bank has thousands of apartments, cars and maybe even yachts --- but there is NO MONEY. result --- bankrupt and so snowball

          Quote: Draz
          A small example: we have 1000 credits, 999 get paid on time, and 1 didn't even start. It is very small. Over the next year, we issued in the same way, but the flow of customers fell, and over the next year we issued 500. that 1 loan has been growing all this time because interest dripped from total debt. Look - bah !!! Our delay has increased, and sales have fallen! guard! are closing!

          Sorry, but this is baby talk.
          Yes, scary. that banks have such specialists. I'm sorry. hi
          1. Draz
            Draz 23 May 2014 22: 23
            0
            Young radicalism hi
      2. Draz
        Draz 23 May 2014 21: 06
        +1
        I can say from personal experience the following:
        The situation is not so kretichna as it means Citizen Khazin.
        There are problems only with cash loans, and the main players have been tightening the nuts of their scoring systems in just a few months.

        Now to the very essence of your comment:

        The root lies in the legislation of the Russian Federation wassat
        Yeah, it’s enough to pay the bank at least 1 ruble (the first payment is usually made) and EVERYTHING, you cannot put a person at all, in court you just can’t prove that the person is a fraud, the court will decide to withdraw the defaulter’s property, but there’s nothing for a long time / copied to mother-in-law.
        Sadly, Russian passports are easy enough to falsify.
        They stole a passport, and for 30 rubles you will glue the photo of another person :)
        We saw a report about a suicide bomber who was blown up in a bus in Volgograd.
        1. Draz
          Draz 23 May 2014 21: 08
          +2
          I am not suggesting to plant people. And often - they can no longer be found and there is simply nowhere to put them (overdue debts). They just "sit" and grow in a portfolio.

          But you just can not leave it!
          Correctional work, etc. - as an option, because you can not produce a parasite. hi
        2. atalef
          atalef 23 May 2014 21: 29
          +1
          Quote: Draz
          There are problems only with cash loans, and the main players have been tightening the nuts of their scoring systems in just a few months.

          And what is cash loans? What part of them in your bank *? Cash is the entire civilian sector (auto. Mortgages. Small businesses) - with the mortgage crisis, the Merin Lynch crisis started and pulled everyone. if you remember (the whole world pulled)
          Quote: Draz
          Yeah, it’s enough to pay the bank at least 1 ruble (the first payment is usually made) and EVERYTHING, you cannot put a person at all, in court you just can’t prove that the person is a fraud, the court will decide to withdraw the defaulter’s property, but there’s nothing for a long time / copied to mother-in-law.

          Lord and this is a bank employee.
          The crisis begins with nothing. There’s nothing to put a person at. but from that. that he doesn’t pay and the bank has a liquidity crisis
          Quote: Draz
          But you just can not leave it!
          Correctional work, etc. - as an option, because you can not produce a parasite.

          Will it add money to banks?
          1. Draz
            Draz 23 May 2014 22: 45
            0
            The banks are divided into separate products (auto, mortgage, credit cards, consumer credit)
            I can say for sure that the flow of clients in my bank has not decreased at all, but continues to grow.
            Another issue is that the banks themselves do not want to issue demands and complicate the conditions for their receipt.
            Example: vtb24; my bank
            The car loan market (new cars) is reduced without the participation of banks. Requirements twist, although they want all the same people. The growth of auto loans is projected for Bu cars.

            Based on these indicators from the field, we can say that there is a fall due to the new auto-yes.
            The rest of the banks themselves react to the situation on the basis of portfolio performance.

            There are many reasons for non-payers, one of which is that borrowers deliberately overestimate their salary data.
            It is not always possible to check.
            Rather, the banks themselves take the risk and give out muddy borrowers.
            1. atalef
              atalef 23 May 2014 22: 57
              0
              Quote: Draz
              I can say for sure that the flow of clients in my bank has not decreased at all, but continues to grow.
              Another issue is that the banks themselves do not want to issue demands and complicate the conditions for their receipt.

              and why ? Bank does not want to earn? Banks live with loans
              Why complicate the conditions? Probably calculate the risks.
              And you say nothing has changed
              The bank just sees - there are a large number of non-creditworthy citizens - what does this mean? You work in a bank

              Quote: Draz
              The car loan market (new cars) decreases without the participation of banks.

              of course. the bank is secondary in this regard. the people do not have money and there is no way to give it back (a new car is not a thing of paramount importance 0 but a decrease in purchases of new cars speaks first of all of a slowdown in consumption, i.e. a crisis of free money among the population

              Quote: Draz
              Based on these indicators from the field, we can say that there is a fall due to the new auto-yes.

              Pancake . what they only teach you (they probably graduated from the institute) - where do the cars - the cars are the consequences
              Quote: Draz
              There are many reasons for non-payers, one of which is that borrowers deliberately overestimate their salary data.

              probably do not pay because of that. what no money?
              Quote: Draz
              Rather, the banks themselves take the risk and give out muddy borrowers.

              Therefore, the interest on loans is such that five payers would cover losses from one non-payer.
              1. Draz
                Draz 23 May 2014 23: 59
                0
                The bank just sees - there are a large number of non-creditworthy citizens - what does this mean?

                The bank, after having seen which borrowers it had sold out, concludes that its scoring model does not work and twists the conditions and starts looking for "holes".

                The people continue to go to the banks in spite of the fact that as you say he has no money, what is the point of this? What is this form of irresponsibility? You do not go to take a loan when you do not have money or fired from work? True?

                The new cars have departed, the BU and the demand has arrived. The figure in the end remained the same.

                Therefore, the interest on loans is such that five payers will cover losses from one non-payer.

                Of course you are surprised? We live in capitalism! Any bank is a business, the only difference is in the owners.
  • 11111mail.ru
    11111mail.ru 23 May 2014 18: 33
    +1
    It is impossible to be a “forage base” for the American economy anymore, it is time to radically change the situation. Author Mikhail Khazin

    Well done! To do this, someone (not just a dozen VIPs) needs to turn their head off, their accomplices have a long time in the Arctic. Justice must be restored.
    1. Barakuda
      Barakuda 23 May 2014 19: 01
      +1
      Why in the Arctic? In Yakutia, there is free space.
  • Reserve officer
    Reserve officer 23 May 2014 18: 45
    +6
    Another "analyst" with his own horror stories. With the ring of these croaking "scientists" divorced. As Sharikov said at Bulgakov's - in line, sons of bitches, in line.
  • Const
    Const 23 May 2014 19: 00
    -1
    Medvedev and the staff of the entire economic bloc of the government should be exposed for unsuitability. I am not an economist, but I understand that there is no independent economic policy in Russia.
  • Deadmen
    Deadmen 23 May 2014 19: 01
    0
    a lot of acquaintances from different, not the highest strata of the population, almost all of them either gave or already took out a loan. And no one has overdue loans. I myself do not have a large salary pulling an 3 loan (for a couple with my wife) and even I do not see any delay or deterioration in loan repayments. Even a delusional article, maybe the numbers are really correct, but I judge by the numbers that I see myself. Maybe some are just lazy that they can’t pay on time.
    1. soyuz-nik
      soyuz-nik 23 May 2014 23: 17
      +3
      I wish you good health! Are you a case not from Moscow? It's just that in big cities it’s somehow more fun than on the periphery ....

      hi
  • silberwolf88
    silberwolf88 23 May 2014 19: 23
    0
    Credit policy needs to be revised ... it has long been a deterrent to the economy and forces our company to take loans abroad ... feeding the western economy.
  • Indifferent
    Indifferent 23 May 2014 19: 26
    +1
    When I see our ministers of finance and social development, I come to the conclusion that these "Gaidarites" or "Timurovites" whatever you call it, will ruin any economy that you are not entrusted with. And if she does come out, it is more likely against their will than at the request and work in this direction. Some of their eternally dull physicals are worth something! Already left the Visa with the Master! Your own payment system is no longer needed! From the dollar, too, in no case to refuse nizya! And nowhere without external investment! So until the government changes, nothing shines for us!
    1. atalef
      atalef 23 May 2014 21: 14
      -1
      Quote: indifferent
      When I see our ministers of finance and social development, I come to the conclusion that these "Gaidarites" or "Timurovites", whatever you call it, will ruin any economy that you are not entrusted with

      Do you think the problem is in them? It reminds me of the Ministry of Agriculture in the USSR. there, the same who was not appointed - all ashes. But the problem was in the system.
      1. soyuz-nik
        soyuz-nik 23 May 2014 23: 21
        +1
        Good health, I wish! hi IMHO, there is such a principle: if you criticize - offer it! I would like to hear the proposals of Comrade Indifferent to the candidacy, as well as their economic program!

        As for the problem in the system - I agree! drinks
  • tsesaleks
    tsesaleks 23 May 2014 19: 36
    +2
    Everything goes as it should, and the author is an unwise person.
  • Monk
    Monk 23 May 2014 19: 49
    +2
    Quote: Ataman
    For a long time I have noticed the "prophetic" articles of Mr. Khazin, but over the last five years not a single prophecy has come true.


    The popularity of his neocon is coming to an end, he begins to strain already with his "smart" thoughts.
  • homosum20
    homosum20 23 May 2014 19: 55
    +2
    Misha (who’s the khazin), shut your mouth, otherwise the fly will fly in and out.
  • Signaller
    Signaller 23 May 2014 20: 36
    0
    Everything is clear. Mortgage auction, sale of shares at dumping prices and the Ural Wagon - are already riveting tanks for the United States. All this has been done more than once. Where does the government look ????? Nowhere. It’s indifferent to them, i.e. do not care. Here are the conclusions and draw.
  • oppps
    oppps 23 May 2014 21: 08
    0
    "We must abandon liberal politics" - the most correct words in the text. And at the same time from the liberal media ...
  • jovanni
    jovanni 23 May 2014 21: 18
    +3
    Guys! How smart are you here! Well, purely bachelors of economics! I'm proud of you .... Oh! Is our country now not Israel, by the hour, is it called?
    1. soyuz-nik
      soyuz-nik 23 May 2014 23: 30
      -1
      Good health, I wish! hi Some characterize the Russian Federation, unlike other countries, as a country with an unexpected past ....
  • sabakina
    sabakina 23 May 2014 22: 01
    +2
    In the prime of my life, I survived the damned 90s ... (it was 20-30). Now I’m all on the drum.
  • staryivoin
    staryivoin 23 May 2014 22: 17
    0
    Quote: Ataman
    For a long time I have noticed the "prophetic" articles of Mr. Khazin, but over the last five years not a single prophecy has come true.


    And who, is such a great economist Khazin .-

    His words from the article - "Of course, we will not be able to avoid a serious debt crisis. But we need to abandon the liberal policy now in order to gradually begin to reduce the cost of credit, without which it will be impossible to move to economic growth. It is impossible to be" a fodder base anymore. "For the American economy, it's time to change the situation radically."
    Mr. Khazin did not forget that the interest on the loan is mainly determined by the rate of the Central Bank of the Russian Federation. And what did he personally do so that in the conditions of the crisis that he sees in the Russian Federation this percentage would go down.
    We all depend (salaries, pensions, savings on deposits, etc.) on what Centro Bank says. And if this game of the Central Bank on the ruble exchange rate does not bring Russia dividends, if the people do not win back their investments, and this should happen in 2015 -2016. It will be very difficult then to predict how the fate of the "2018" elections will turn out.
    But, something internal is better than P. Globa tells us all that after the visit of Vladimir Putin to the PRC and meeting at the forum in St. Petersburg, everything will go wrong in the world economy as planned in Washington. Mr. Hazin, let's wait a bit. Or are your accounts in the West already blocked ???
  • gammipapa
    gammipapa 24 May 2014 00: 20
    0
    For how many years I have been following Khazin’s remarks, at first I admired how smart he is, as everyone speaks correctly. Why is he still not in the government.
    Then he noticed that the sense of chatter was zero, as if Misha had not prophesied nothing had collapsed, but he was still looking, how smart he was, how well he spoke.
    Recently, I’ve already got it, everything is bad, everything needs to be changed and changed ... only no one hears, it is not in demand.
    He was asked how Hazin was going to earn money for a living. He answered, they say, while I take money for consultations. Well, when they stop consulting, I’ll write memoirs. It looks like the time for memoirs is already coming.
  • Polarfox
    Polarfox 24 May 2014 00: 37
    0
    I think that not everything is as bad as Mr. Khazin says. However, there is a rational grain in his article, this is the viciousness of unjustified lending, leading to financial dependence on banks and the inability to accurately pay off debts. I believe that each of us can help strengthen the country's economy if we do not take loans, which can be done without. Even our ancestors urged us to stretch our legs for clothes.

    I do not presume to condemn people who go into debt to purchase housing, you cannot do without a house. But loans for renovating furniture, for purchasing fancy cars, mink coats, diamonds or household appliances, in my opinion, are from the category of those without which you can live. And no need to say that no loans are taken for luxury goods, I really know. Isn't it easier to rely on your own strength and not to encourage the greed of banks, which, by the way, the Central Bank slams one after another? It is for the "bad" loans generated by greed.

    Banks have no homeland. They will not give up the dollar for the sake of supporting Russia, they will continue to cooperate with America and Europe, even at the risk of getting a block of accounts. The shareholders of the banks do not care what happens to Russia, they always have the opportunity to dump overseas and live well there, looking from the side at what is happening in their former homeland. Be a patriot, do not feed abroad!

    Threat She took a loan, which I am paying now - to purchase professional cameras. It is very expensive. But for me this is not a luxury, but a working tool, my equipment is already working and brings me income. However, I regret this loan. I’m crying carefully, I have the opportunity. But - in a couple of months I’ll pay it off, and it’s unlikely when I will take it again.
  • soyuz-nik
    soyuz-nik 24 May 2014 00: 59
    0
    Quote: smile
    soyuz-nik
    - we won’t talk about normative acts and isms - we’ll stick to nafing ... :)))


    Ndyk, as far as I can see only about the "liberalchange"and interpret ....

    ... after a period of liberalism, we are still far from recovering.


    Have mercy, my friend! And Dear Author of the article, and Dear Forumites,
    groan from the current era of "reigning" liberalism ...

    clearly demonstrated our achievements, and also continue to demonstrate the achievements of China.


    Our achievements remain ours. And few people, unfortunately, they need to fuck ....

    China's Achievements - Massive Copyrights of Copyright Worldwide ...

    And Confucianism, although it is a respected worldview, according to its postulates, China does not live.


    IMHO, it sits deep in the Chinese in the subcortex ...


    Well, okay, may the Force be with you, if you so wish ... :)))


    drinks
  • richchernov
    richchernov 24 May 2014 01: 05
    +1
    That's it!
    Once again, the good supply of GDP was "lost".
    Here is an article on Computerra: Visa and MasterCard will remain and create a Russian company - a payment operator http://www.computerra.ru/99742/visa-i-mastercard-ostanutsya-i-sozdadut-rossiysku
    yu-kompaniyu-operatora-platezhey /
    . Thus - we will continue to pay money to the Americans, only this is served under a different sauce, instead of using the Golden Crown or the United Settlement System (OPC). By the way, more than a hundred banks are connected to ODP http://www.ors.ru/Banks.asp, it remains to connect VTB and Sberbank ... but they do not want this, they want us to be on a short leash with the Americans.
    It's a pity.
  • Vorodis_vA
    Vorodis_vA 24 May 2014 01: 46
    0
    I put a plus to everyone !!! But in all the comments there is only a consequence, and the reason is that the United States buys everything that it can for paper, but it’s clear to the fool that the warehouses will overflow and everything will trample out.
  • Grandfather Victor
    Grandfather Victor 24 May 2014 06: 24
    0
    "... in this way, our banks are removed from the control of the US IRS." And who in our country is talking about the independent policy of Russia that meets the national interests? For such a policy, it is necessary to stop being a financial and economic colony of the United States! Vova, well, stop hanging the people on the ears!
  • soyuz-nik
    soyuz-nik 24 May 2014 14: 56
    0
    Quote: Vorodis_vA
    and the reason is that the United States is buying up everything that can


    Good health, I wish! hi IMHO, in the bazaar there are 2 fools: one sells, the other buys (addition: 3rd tells)))))))). For sin, two are needed .... The question is why we (the USSR, the Russian Federation, the former USSR republics) are selling for dirty, green, American papers?
    drinks