e in other currencies in rubles and of course, here from other and friendly countries this is the yuan. i will give a few figures, if in the twenty -first year we carried out a significant part of the calculations e, v. e dollars, there euro and so on in e rubles. uh, so with calculations, uh, about a third, about a third, now uh in rubles and artistic currencies is more than half, about 55%. this number will continue to grow. that's why, when you, uh, say, you can answer your daughter, of course, you know the ministry of finance is not worried about what you will lead. e dollars, we are more concerned about how it will be, then the economy will develop. and how will the income-generating population grow, what kind of employment will we have? will there be unemployment? no, by the way, speaking now one of the elements of stabilization - this is the

lowest unemployment rate of three seven percent. that's why such urgent problems are much more important than, uh, exchange rate ratios. you said that a life will be better due to the fact that incomes will grow. let there be two there with a penny by 3%, but, nevertheless, he himself fact, yes, but speaking, in simple words, there will be more money in the back pocket, trousers. yes, as we sometimes say, the question is very simple, what can interfere with this plan, and this year, but turn into reality, that is, what can happen that e are not fulfilled, they will not show either on the revenue side of the budget, but on the expenditure side budget. they will be exceeded by the same predictions you make. we have different forecasts, but our most important task is to ensure that those spending plans that, uh, are in the budget, are fulfilled and they will

what are the risks. yeah, there are risks associated with external factors. well, you see all these sanctions packages. of course they are accepted. i understand that we once again say we have adapted, but we have a large volume. uh, the structure of our exports. export of hydrocarbons, gas, oil and so on. yes, here is ours, unfriendly countries are trying to reduce the income of the russian federation, here are the experts, first of all hydrocarbons. any slingshots. they set price limits and so on. yes, we are now refocusing on, uh, other markets. uh, it means that they themselves suffer more from this , inflation grows more. by the way, in many countries. uh struggle, they successfully double-digit values ​​for the year uh, means for the past years and therefore here, however, in a number of countries. e, european, which means inflation exceeded 20%, so what are the risks, risks are

there a decrease in export earnings as a result of possible restrictions on sanctions, which means this year, but i repeat once again that our exporters will reorient their flows and find new markets. yes, it will be a little more expensive. for us, because the so-called logistics or transport of goods also requires costs. there are, uh, certain risks in this, but i repeat once again that we also have , uh, an answer to these risks. and what are the answers? this means that we have budgeted a certain level of oil and gas revenues of eight trillion. uh, we planned that it would be under nine , but this difference, to be exact 970 billion, then this is the difference, we planned, uh, then send the national wealth fund, if uh, these plans are ours in terms of prices and income from the export of hydrocarbons. eh, so, uh, they

won't come true. well, then we will not send to ours. uh, reserve those funds eventually. even then, we will be able to take this money somewhere, or the initial national welfare, which we formed everything, by the way, in it now, so as not to be distracted. uh, talk about the liquid part. about six trillion rubles. that's the weight. that's why our task of the ministry of finance is to ensure that everything is planned in the first place. this is our, uh, commitment to citizens. everything was done regardless no matter how there are any sanctions, what oil prices there are restrictions on gaz, everything will be done. and this is the main function of the ministry of finance in order to find resources to solve those primary tasks that were planned for the current year , speaking of risks. the fact that sanctions prevent the growth of income from the sale of hydrocarbons is understandable. is there a risk of a global recession, that

is, if the world as a whole decreases the consumption of resources, uh, i don't know metals there. e hydrocarbons. just the economy, the world will enter a half-half recession, which now scare us both the monetary authorities, america and europe and even japan , this risk of a global slowdown and a decrease in consumption, that is, well, in fact , the global economic crisis - this is the risk that you lay in forecasts for the current year for next year. of course, these forecasts were also miscalculated, since we are part of the world economy. if, as you say , the world economy will sleep, it means that there will be a decline in our export goods. it will be a price cut for these goods, of course, uh we will be able to less, that means, to receive income from exports. i'll say it again, uh, despite all these risks. although we believe that in connection with the opening of china, e, means the risks

of a recession in the global economy, but china is still one of the major drivers of the global economy. if it opens, then we hope, which means it will be able to, uh, support the world economy, uh, with its growth dynamics, and china is now our main trading partner with a turnover of 200 billion dollars, we are increasing supplies there of our energy resources. so that from there i get those goods that were previously purchased from western countries, therefore western countries. uh, that means introducing restrictions, imposing a ban on the work of their companies in the russian federation. well , they have repeatedly said that they shot themselves in the foot, because they reduce, uh, market share. well, others will take their place. she is the hidden economy. well, as they say, yes, the wise russian people do not have a holy place empty, or they will occupy ours. uh, so the producers we

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and without commission. here is one innovative drug, it helps to accelerate the elimination of inflammation and support pulmonary immunity. this is an easy money podcast on channel one its presenter mikhail khanov today we have a guest , the minister of finance of the russian federation, anton germanovich ivanov . how much does it cost to borrow money from a corporation, even from individuals, we are now borrowing at the beginning of the year and here is a little more than 10%, 10 small, but in fact we believe that this is a very high percentage and the future of our auctions. we see that there is an opportunity for a downtrend, by the way, speaking, you said about the viewers, but about people about our audience. yes, our

government securities are a very good investment tool. now how many in banks. uh, you can , uh, then put your money on deposit, well, six seven top, yes, top, five six seven ten percent, well, 10 is a long time. let's tell the audience that 10% is not a year. it can be bought today, it can be sold, but 10% and better coupons. yes, let's not buy this now, uh, federal bonds. well, i can say that when i answer questions. uh where now to an ordinary person, yes, uh, without any investment skill, where to save money? i say that the first and most important instrument is federal loan bonds. if you live in this country, you believe in this country, you are in it. yes, there is no better tool. those who liked foreign share assets. eh, today we see, unfortunately , unfortunately, they suffered, because investments

fell into tesla and other western companies there, today simply western infrastructures are blocked. paper and projected inflation of 10% - this is only now at the beginning of the year. if we already see a slowdown, the dynamics of inflation is already moving , the trend is slowing down sometimes now. if anyone wants to protect their savings. i need to buy more now. uh, that means the minister of finance advises everyone on how to invest money, it's worth a lot. thank you once again , we say that the target inflation. well, we predict inflation of 5.5 with a yield of more than ten. you are this favorite. as i will beat inflation, you will actually beat inflation. twice, well at least at least this year deposits in banks will not give such a return on deposits in banks. why is it now? why doesn't a bank deposit attract such an opportunity as we

do? why don't banks give more? well, because, firstly, they also focus on cost. e resources in the economy the cost of resources in the economy. including focuses on our securities, so now you can take a loan. well there 9-10-11 12 it all depends on the borrower in order to issue such a loan, banks must attract resources to stand lower than the cost of the loan, because that the difference is and uh, the costs of the bank are the risks of the bank - these are the reserves that the bank requires. in any case, there is a certain gap here, therefore, between the size of attracting money and issuing. so, uh, so, that's how the bones of the costs that the bank bears, how the banking system works. damn, i fell in love with asking this question, what do banks do, banks buy and sell money, respectively, they buy them cheaper , they sell more expensive for these, as they say in well-known jokes, two questions and we live. and it's good if we started talking about debts like that,

let's ask a simple question. are you a civil servant? of course, you also have a map of the world, yes, uh, on which you receive, uh, wages . do you have a credit card? do you personally have one and you use it. well, after all, i use a credit, i use it, like an ordinary calculator, you yourself get into this credit , e, history is rare, well, it just happens that the minister of finance can force, uh, get into a loan. what personally, everything is very simple for you to see. i have uh, deposit banks so that's all the cards that get wages are cards. uh, if you receive a salary, part of the money is sent to e, then the deposit bank account, here. it remains on the card, so if i have a purchase, uh, it turns out i have to pay more than i have the balance on pike, i get on credit, but i have a bank. uh, that means,

since i am already a reliable client with experience , i give a month of interest-free interest-free credit. you try to endure, that is , financial hygiene, as i say, you endure. and by the way, the question is this. here's to you personally on your mobile phone financial scammers called at least once. you know, i try not to take calls from unfamiliar resources. well, by the way, yes, life hack, uh, the administration of finance is another one, in addition to the federal law for our audience, do not take phone calls from those numbers that you do not know, continuing the question of financial systems, including cards, here is an important look. is a unified financial system possible? well, let's not talk about the scale of the planet, but at least there is a fairly wide distribution. politicians at the present time it is impossible to think. here while ideally, of course, today. if to talk about such a system, then uh, you can

talk about a single system of settlement payments and settlements among friendly countries should, uh, the country brix brix yes, it’s quite possible, what currency will be the calculation. well, it can be some sort of national, relatively speaking, unit of account, as you remember, the transfer of the ruble is soviet time, here, uh , based on which it would be possible to calculate, but such, uh, studies, as it were, are underway, but uh uh, decisions are very far away your relations are double-circuit monetary system financial in russia and you could say a few words on this topic, you know, this is a two-circuit system. what it is? let's come up with these experts, i consider it more theoreticians, what are we talking about, that there are some real assets, namely gold , oil, metal, something else is issued for this asset, the corresponding monetary

units, because it means for this asset collateral is issued to provide a cash equivalent, these are, how to say, as a rule, some kind of raw materials. how to say resources that they certainly have offered us know here u under reserve redundancy. there, even there, but still print money, that's actually. it is possible and, uh, if we talk about such a bypass, well, as if bypass elements, what can be done? e with digital financial assets, namely the so-called stebcoins, i don’t know who works, who knows, they are issued for a specific asset. that is, i am an entrepreneur , i say that i have e, well, relatively speaking, there are machines. e, means the volume of e, production from these machines. yes i want to expand to expand my business. and i want to buy more. uh,

so, uh, production assets under this i release. e, means digital financial assets and attract money. this is how it might work. well, as always, in fact, but on a national scale. i think it's an unpromising way to go through utopia, which is essentially close to utopia. yes, anya we, in any case, as the ministry of finance do not support this. e, that means, since some banknotes or rubles can even be issued under e, some assets. we are not the central bank. we don't see it in this. we don't see further development. well here monopoly yes monopoly state printing of money should be unshakable as this is one of the main functions of the state. and your attitude to the digital ruble. then this is promising. e means direction, because a number of countries are working on digital units of account. e in china has launched a digital war. while a limited number of quantities. uh, means areas of application. eh, what is the difference between a digital ruble and

a regular ruble? there are pros and cons. uh, here, what are the advantages of your ruble, uh, buying this ruble is absolutely reliable, because the issuer is the central bank, if you have money stored in a commercial bank, then there is a risk that, well, the risks are the potential of the bank, of course, the bank goes bankrupt, the money is gone, in addition, it means the level that is guaranteed by the state, that is, the first plus is that reliability is 100%. second plus. this means that for calculations, e, means that no commission is charged for payments in digital rubles. what are the disadvantages of digital ruble balances that do not accrue interest, because the central bank will not pay for this the percentage, because here it is, as it were , growing outside the banks. yes, and the second is that it is still at the first stage. uh, it's about being able to present loans or take out loans of digital digital assets, since banks are in this system. they will play the role of, uh,

exchange points of the digital ruble for and the usual i was a bank. i would be afraid of a camera with him, so what to do with such a situation in this coordinate system to work with ordinary rubles. i say it again, loans. these are services. these are calculations, they have their niches, they have their own niche, but their role will be of interest primarily to the budget, since it exclusively has. so to speak, the transparency of the target character. it cannot be directed somewhere by children for the purposes that are envisaged by the law on the budget, and we, after uh, it means that the tool will work, we will gradually begin to use it for our budgetary purposes. that's why the central bank. uh, means actively participating in, uh, preparing for legislation something and, uh, deploying this system. well, in all cases. end of it

year next year. i think that we see the first support , of course, yes, how often audits take place . here are state programs and what are you doing? on the state program is orders of magnitude higher, what are national projects for such a state program, they have specific tasks and goals, the most important goal is defined by the president as a national development goal and these goals are arranged tools. uh, we have projects and government programs. they are all provided with resources, and in these e-government programs and our projects there are indicators that should be achieved as a result of the implementation of these tools. this is the most important thing, because it is not just to spend money, but to get the result of spending money. it's just important, yes, with this money to achieve the goal, who checks? how often, here,

who checks here not only the ministry of finance, but they check e even i would say not so much the ministry. we also have a government commission specifically for national projects. this means that they are being led by vice-premiers and relevant councils on national projects. ultimately, uh, the government, uh, both the prime minister and the ultimate leader who asks for the implementation of the national goal of the president, holding special councils for the implementation of national goals deserves uh, the government, what is done, what is not done, if not done, why and what needs to be done in order to achieve this goal, so we conducted an audit and closed some of the state programs. well, of course, ok then. now i will mention, er, in quotation marks, probably, one state program that certainly worries our entire audience and the actual support from the state is called mortgage. and there are some plans , perhaps, and for the continuation of preferential mortgages,

there may be a development of this project. yes, we will call it a national project. well, because affordable housing is indeed an important national project. will there be a reduced rate in the end, in simple terms, yes for our audience. you know that recent years mortgages are great has grown, of course, and this is very good , because, uh, a million of our, uh, citizens have received a new apartment, thanks to the fact that the mortgage mechanism has started working, and we see that other countries have gone much further. we have room to grow, there is room to grow, but we will see it this time, at least in the twenty-third year 24 we will see, because we now have a number of preferential mortgage programs, but the most important thing is to ensure that the mortgage is available without any of these subsidies and so on. this requires low inflation. low cost loans, but while the loan is expensive, there are a number of programs subsidized from the state budget, i will name a few programs. the first is a general preferential

mortgage for everyone. yes, they are acting, uh, recently extended by a decision of the president. first of july, 2024 twenty-fourth yes 8% rate. e under this program, that is, everything that is subsidized from above at the expense of the state is the second program, which is probably no less important. this is a program that does not aim to support families with children if families have children can get mortgage e, preferential loans at 6%. next is the program. uh, subsidizing mortgages e regional e, cuts, these are the far eastern mortgages two percent two percent mortgages in new regions. uh, so two percent mortgage for hmm, but for it professionals. it is there somewhere up to five percent for the balance of price growth and the actual

mortgage rate, because there is a secret that prices per square meter are growing. lately it's been going down well. well, how is it summarized, it is most profitable to be a family as an it specialist in the far east, then you get almost all the benefits. but if, uh, then, uh, a person is a resident of the far east, there are certain conditions, then yes, the rate is 2% it seems to me not bad, but i repeat that we are using these programs. uh, we are stimulating hmm uh, it means buying a home in new housing in new buildings, because here, on the one hand, there is support for people, and on the other hand. we also want to support the construction sector. yes , all the same, so that more new modern housing is being built. and this is also significant. resource for our economy is an essential such driver of the economy. here, therefore, two tasks are being solved here: the first is to help. e in

the purchase. uh, that means new housing, improve their living conditions, and of course, stimulate the economy. years of employment, uh, economic growth is excellent, mortgages are a good program. mortgage is a great answer. this is also for you, of course. uh, well then, you know, how to end on such a positive note, and the question is, uh, it's so philosophical, uh, kind of, but interesting nonetheless, what does it take for our the country was the richest happiest and our citizens were also the richest happiest in the world. you know, you ask me this question, you probably really think about money when you talk about wealth. it's uh, not only not so much absolutely. after all, we are rich in our culture, in our traditions and in our lives, in values,

and, ultimately, as regards the monetary component. we know that wealth comes from how we work, yes, the more. will develop entrepreneurship, the more we work, the more we become rich financially, but once again , wealth is not measured by so much money. you know, here i absolutely agree with you that the question is in self-development, which ultimately leads them to discipline and to, uh, what is called more efficiency in work? well, feel really happy. you can , no matter how much money you have, how rich you are spiritually, how happy the people around you are. how happy are your loved ones, loved ones. it was a podcast, easy money, i'm its host mikhail khanov and today. our guest was the minister of finance of the russian federation anton germanovich. thank you very much. it was very nice to chat.

thank you hello with you podcast burn with fire and its host denis gorelov today our conversation is about the series of the current repertoire that are of the greatest interest to the general public. it so happened that from time to time i will call series films and pictures simply, because the series is a word long and does not really fit on the tongue, do not look for it. uh, especially since we don't have some fundamental tradition of endless series, like santa barbara or beautiful nannies. all our stories fit into 8 or 12 episodes and sequels. still, they are quite rare, mainly used in comedy, and therefore the word picture or film is quite applicable for a long

time, i was engaged in film criticism of theatrical distribution. however, it has already become quite clear that these films came out mainly from the national. reses are not discussed anywhere, except for school breaks, and school breaks for the last time in my life were in 1984, and therefore i prefer to focus on an adult audience. she mostly talks now, and the series why not only in russia but also in the world e, where the mind frankly merged into serial production. eh, hmm, the main target viewer of the king of film distribution has never gone beyond 20-25 years, and i must say that now it is quite frankly getting stupid, and the first ones have already begun to act in this direction. uh, american producers, then they switched to europe and then we picked up for a long time. i don't believe that ever, uh, there will be any coherent ciel

movie, and not the usual chewing gum that we were fed in the nineties. well, i was wrong and i am very happy about 2018. there is a uniform serial boom in the country. and therefore , in fact, i completely switched to this type of human entertainment. with the beginning, we will turn to the series patient zero the series is dedicated to, uh, an intensive search for patient zero, from which , in fact, the aids epidemic began in russia, uh, then back in the soviet union reality reproduced the prototype of one of the two main characters is the famous epidemiologist. vadim pokrovsky, who , in fact, served as a detective, and finding out where the infection came from in russia. am in general. this is, uh, very high quality, done

intrigue m. in addition, you are also repelled by uh, an extremely dramatic event in the eighty-eighth year. in elista , 75 young children, not stylized with syringes, were infected in the children's clinical hospital. uh, there was a big scandal and there was no combat yet. actually, here's the starting point. this event becomes the point of the series. and another thing is that, uh, the producer of the series , alexander tsekalo, was the first to sell his paintings, uh, to internetflex and, uh, the demand for those films that interested them more or less oriented. uh, what is the public interested in at the moment, and netflux were sold fort about our soviet creators. uh, locust is such a reincarnation of the lady bug-bet

of the mtsensk district in a modern way. and plus, uh, the series is the method of all maniacs ever operating in the soviet union who were given into development. eh, serious. the same psycho and maniac performed by konstantin khabensky well, many similar things, in my opinion, six of him were sold, but it was quite obvious that the foreign audience wanted to see how scary we are. terrible and impossible to live. well , of course in a good, intriguing performance. e, skillful producer alexander evgenievich tsekalo at the same time one of the main e directions and his work was the struggle against the soviet union from the soviet power. i don’t know why she hooked the producer so much tsekalo but e goes in many pictures. uh, hmm

, a completely clear direction to fight with a long-dead system. moreover , some completely unthinkable crimes are periodically attributed to him. eh, frankly speaking, soviet power. e, she was far from a gift of her sins, she has enough additional dogs to hang on her, it’s hardly worth it, but the situation with the sheet was. uh, frankly, local and did not give any reason for the struggle of the ussr. it was a lawlessness of junior medical staff, which was frankly dismissed by local medical authorities, but hmm a reason to talk about the guilt of the ussr in the epidemic. there was no aids and uh, hmm the producer didn't stop. uh, hmm, tough tasks. e. well, apparently, the rules of one of