next meeting, thank you for your time, i was very pleased to talk with you, especially on such global philosophical topics, thank you, we hope to host you in poland, it would be nice to talk and we keep our fingers crossed for you, he now admitted , that they condemn the actions of ukraine, it’s no secret to anyone who the polish president is, recently the head of the sbu came out and said: “we killed this one, they killed this one, they blew up the crimean bridge, stick it on.” we blew up in machulishchi in belarus, we did it, well, what difference does it make what he says, well, that is, it’s you and such with the look of a psychotic maniac, he told all the details of this, we basically talked about all the possible terrorist attacks that were committed on the territory of russia, already a retired man, he said victory over russia, attention, the meaning of the existence of poland throughout europe, this is such a voiced quote, filling in with himself, and duda said a different phrase, he... said: the war

is very good for us now, why? because we fight cheaply, the americans don’t die, he even said, not the poles, he said, the americans don’t die, that’s why we fight cheaply. how are you what kind of reaction do you think there will be in poland to the prank of as many as two presidents, even former ones? i’m honestly surprised how these people, not just these former presidents, but the european elites in general still haven’t realized that they’re being played like suckers. russian true patriots have been scamming these politicians for many years from the americans, this shouldn’t surprise anything, i would be more interested in the reaction of the ukrainians to this broadcast, because what about the poles, everything is clear there and so on, this is the reaction of the ukrainians, i want nikolai here vasilyevich gogol, who turned to the ukrainians, well, son, well , your poles helped you, of course, will not add popularity to these people, that’s 100%. in general, you know, in politics you can look different, and as a rule. the audience forgives a lot,

but it never forgives stupidity, but we will look forward to the reaction of the polish authorities to this broadcast, we are sure that it will find a response in the hearts of europeans. this is the easy money podcast, i am its host mikhail khanov, and today we are dealing with new classes of digital assets, with new instrument, such as the financial ruble, with new investment, individual accounts for citizens of the russian federation, and the chairman of the state duma committee on financial markets, anatoly gennadievich oksakov, will help us understand this. hello, anatoly gennadi, well , right off the bat, let's talk about what a digital ruble is, what... everyone cares about,

what everyone hears, no one knows what it is, let's try to figure out what it is ? there is a ruble that we carry in our pocket cash, we pay with it, in cash, in stores, other retail outlets, in pharmacies, there is a ruble that circulates in the banking system, that is, it moves from one bank account to another, for example, if you come to a pharmacy, to a store, by card paid for a service, a product, then accordingly the ruble is transferred from your bank account to the bank account of a retail outlet or pharmacy, this is a non-cash ruble, but now there is a digital ruble that circulates in the computer and is also recorded in the computer ; a certain account is opened there the main question is, whose computer is this, well , the computer of the central bank, that is, it is not a computer, not a commercial organization, but a central bank, and in fact it can be located here... let's say, in one place,

well, those who want to use digital ruble, this is not necessary, that is, if you want to use it, use it, if you don’t want to, don’t use it, respectively, if he pays for a product or service, then the ruble located in the central bank’s computer is simply moved from one account in the same computer to another account, so difference from cashless only in this, can the digital ruble be called a central bank cryptocurrency, well? you can say so, but still, in general, it turned out that way, we agreed that cryptocurrency is private money that circulates, where the issuer is not the state, but where the issuer is some kind of private organization or a private person, and he also circulates in a computer, but its issuer is not the state, not the central bank, and it won’t be private without a backdoor. yes, this is the first thing we note to ourselves,

for our audience, that is, there is no such thing that now we are all switching to our own ruble, absolutely not, and this is correct, also, by the way, there is no obligation to refuse cash. ruble, although we already have almost 84% of private turnover, when individuals pay for goods, services are carried out using payment cards, only 16 percent is cash, well , you know, like a politician with a background and simply an experienced person, that in order for people to start using something en masse, there must be some advantages, these are what the advantages of the digital ruble, let’s not say over cash. money, this is understandable, before non-cash money, why is it for me, the more convenient it is for me? i said that many people now use payment cards, while the theft of money from the accounts of citizens who use payment cards

is quite large, more than 15 billion rubles were stolen last year, and for this they use various tricks, psychological pressure on people, sometimes simply even a person doesn't know. somehow they got hold of his data his payment accounts transferred money remotely, the digital ruble is protected from this, sfrubl, well, from my point of view, it is 100% protected, and since its circulation takes place in the central bank system, in the central bank computer, obviously he sees, and operations for the central bank will be transparent and understandable and it will track the movement, well , because... the systems of the central bank, well , are protected, much more powerful, stronger, so to speak, all the power of the state is aimed at this, so the central bank guarantees, and in principle i can still safely assert that if suddenly, due to the fault of the central bank, money is stolen from your

digital ruble account, then the central bank will have to be responsible for compensating for the damage that you suffered due to the fact that money was stolen from your computer account. that is, the trace moves, well, let's just say, its color appears just inside the platform of the central bank, when it is in digital form, well, what is the benefit, that is, it turns out that the scammers motivate the victim to transfer money somewhere to their accounts,

not into the digital space, it turns out that whether i transfer from a regular bank account or from a digital platform, the difference is the benefit is that if your money is in... or else blocked, well, since the legislation requires progressive action, you won’t react quickly there, but this the central bank’s system instantly gives a signal, if the money is being transferred to an unreliable account, then it is necessary to suspend the operation, give the person the opportunity to cool down,

not transfer the money, and if this money is in the information system of the central bank, then accordingly, this signal will arrive faster, it will be responded to faster and... it will be tracked, where it went, how it went, what it was actually spent on, well, yes, we want to implement this, so-called smart contracts in order to trace the target the use of money so that they cannot steal it somewhere else has been implemented, this will obviously be implemented,

moreover, i so persistently suggest that the central bank should start in chuvashia, since i am a deputy from the public, and even the head there, a former banker, minister. because we have already discussed, in fact, the central bank is becoming a new player in the retail financial market, or am i wrong, why are there a lot of indignation from commercial banks that the central bank takes the role of such a large player, while being the controlling supervisory body for banks, and is actually playing on their field and takes away their rivet, or this is not so, well, it is clear that for credit institutions the digital ruble -

who will do all this, this will be done by the system itself, that is, where, where will an ordinary accountant go, where will he apply, to whom will he submit the question, if something did not go through and how, that is, it turns out that all this will swell into one large central bank or authorized body, i admit that these will be special systems, maybe even over time private systems will appear, who serve, they are simply delegated this right, after all, well, the central bank may not... having a commercial interest in servicing such a system, it will be difficult

to ensure the development of this system, when there is no commercial interest, then accordingly system, it is now clear, the system is just beginning to be launched, the central bank has more money than any other commercial structure, especially since it is not profitable for banks and, accordingly... they should not develop this system, let’s say, well, a priori, because it creates a competitive environment for their work, someone has to do this, here is the central bank, which has financial power, which has intellectual potential, and which, in a certain sense, wants to create competition for the banking system so that it it began to develop even faster, competition , yes, this is the positive aspect of digital.

well, the central bank is already dumping, yes, it created a system of fast payments, so it set tariffs lower for physicists, and there, some tariffs are even zero, and thus, many have actively started a system of fast payments there, in my opinion 50% of physics transfers are already they moved there, so in principle, the right thing to do is for the central bank to push credit institutions with the help of an alternative. created by the security officials themselves to ensure that credit organizations develop well,

they offered increasingly better services, again cheaper, and cheaper, yes, they worked better and better and cheaper. in terms of timing, what can you say, that is , testing of the platform began in august last year, several commercial banks are involved, and of course the central bank, at what stage is this whole project in general, when can we say that this is it, i can , i’m mikhail ikhanov, i can open a digital wallet on... the central bank platform, not as an experiment, i think that 2-3 years, and here the central bank is also competent it’s suitable, he doesn’t force it, he doesn’t force it, yes, he tests, he tries, he’s already developing the infrastructure.

it makes no sense, the whole question is how correctly the central bank will build regulation for banks, as participants in this system, and for you and me, as ordinary users, look, what should this funk do, kiss the first one who walks through the door.

i beg you, anya, rum is leaving in half an hour, if we don’t make it now, we’re finished, and i’m ordered to do something, live, misha, life is always better, but i love alexander vasilyevich, should be with us, even if now we see the future, as if through a dark glass, but faith, hope,

love, and love from them come with us. more the admiral on friday at the first, in the poem woe from wit famusov threatened to send his daughter here to the village with her aunts in the wilderness in saratov, it doesn’t bother you that people walk around constantly rubbing your nose, why does your nose itch for money or rain, here i had them all the time, checking them just like that, taking a kolach. covered it with a towel, sat on it, give, give, give, let go, okay, we have to erase everything for the female, here is a fish that is 8 years old, she gives us caviar every year, tasting, or can we have another jar, we need to record the takes, the life of our own, the premiere is on sunday on the first, from i

know , that you listened to you very closely and repeatedly at conferences, speak and are engaged in this moment, now we already have a third one? jesus of the third type jesus is the third. let’s, in short, here’s what an iis is, an individual investment account, what it’s for, what are its current criteria use and what is planned to change in iis3 when? well, is-1 and 2 have already sunk into oblivion.

rubles you receive a tax deduction, that is, 52,000 rubles. the state actually returns 13% to you. 13% of the tax that you must pay, well, let's clarify that this

rule applies only to those who are taxpayers who officially pay tax, and it is from this money that the tax has already been paid for the year at the end of the tax period, somewhere in february , in march, even in april, the state returns it to you. this way i stimulate you to start, as i understand it, this is the case all over the world in russia, that this is a tool for getting to know what financial markets, the stock market are, in order to start investing, and it is not necessary to immediately participate in some projects, yes, it is not necessary to immediately place money in some kind of i don’t know, investment programs, funds and so on, you can just simply buy federal loan bonds, yes, that is, give government loans.

the second type of deduction, when i am exempt from income tax - earned by me money in this account, that is, let’s say i earned a million from 400,000, yes 600,000 plus, i have to pay 13%, yes, how much is it 60, 18, 78 thousand, yes, the state exempts me from paying this amount, correct is3 actually combined the tax benefit of the first type 400.

or thanks to investment - in this project, information, for example, is exempt from income tax, that is, you take away the entire 30 million, thanks to this investment, without

any taxes, and the validity period is 5 years , he is 5 years old, then gradually he will increase to 10 years, yeah, that is, uh, well, in order to attract you, interest you, uh, at first they set such a period. and then it will be 6 years, 7 years, 8, well, good, if i’m in the second year, 2 years have passed, or even 3 years, i’m still investing there, let’s say i’ve already started earning money, i’m still investing a million with isa somewhere, in order to receive tax exemption for this amount, you have to wait the remaining 2 years or another 5 years, another 5 years, another 5 years, that is, my iis will already be closed de facto, yes, but the tax deduction i from investments.

try to start working with the market and de facto secure your investment activity with the help of the state, well, firstly , you can simply place money in federal loan bonds, do this not in a brokerage account, but in a regular account, yes, in an iis account, thereby also receiving a tax deduction by 400,000 and also freeing all profit from income, and one more thing. which may be of interest up to 1.4000 rubles. for now, we expect that in the near future, i think that all this will be regulated by law, means.

national participant, they are accumulating into billions, hundreds of billions of rubles, so when is this law planned to be adopted? i think that we will literally regulate this in the spring session so that the law begins to take effect, yes, great, great, well, to summarize this block, i once again confirm that, as a professional participant myself, an active user and propagandist myself, and isa, our audience can use this

opportunity, this is the opportunity to start. really getting to know the investment world does not risk anything, that is, no one will forces you to buy gold, stocks or sell or invest in some mutual funds, and so on, you can simply open an investment account, buy federal loan bonds through this investment account, in addition to the fact that you will receive a coupon yield on federal loan bonds, and by giving money in debt to the state, you will still receive a...

we are not firing a single shot, this is the worst thing when you shoot with peace of mind. i have a categorical order from the commander to take the falcon. rocket, lieutenant. krisha, go ahead, lieutenant, he's already turning around, what are you waiting for? yes, shut up, calm down, misha, calm down, you can’t mess around here, comrade colonel, the right flank has run into mines. cherbak, go ahead, what are you worth? i’ll shoot, in war, as in war, june 22, on the first, come on, maleshkin, well done, maleshkin, press, maleshkin, this year we celebrate the seventy-ninth anniversary of the great victory, let’s talk about songs of the war years, i remember the infantry, for me the most heartfelt songs are those that were heard in our films, death is not terrible, there was a great song,

which was written by alexander vasilyevich alexandrov, when there were the most terrible battles and of course this song is a symbol of our army. on february 17, 1944 , a comrade, that is, my grandfather, was able to single-handedly destroy 150 manpower and knocked out two tanks, one of which was a tiger, where are you now that i’m leaving in the squad.

june 2 on the first. digital financial assets. how relevant is this topic in general, how interesting is this topic for market participants, and what do you think about it, and what do state legislators think about it? a digital financial asset is actually paper, again, but an issued security, yes, a security issued on a distributed ledger, that is, it. it is not taken into account by credit institutions, it is again in the computer and again the central bank or not, no, there may be a private one - for me the difference is acceptable if some large company says that these are my bonds and debt obligations, and this here are my digital financial assets, what is the difference, the difference is in accounting, only in accounting, only in accounting, yes, that is, this is just a new way of doing

accounting. in order to finance, you can compare them with bonds, it’s just that bonds, well, let’s say, are issued on a non-distributed register, and these are on a distributed register, but they are issued to attract money for the implementation of some project, that is, in fact, the issuer is, he launches his cryptocurrency, that is, in fact, it’s a new one , it’s just that cryptocurrency is also money somewhere.

but the process is ongoing and our partners abroad are also interested in this instrument, since the movement of these digital financial assets precisely due to the fact that they turn around outside the traditional banking system and financial system, they are not visible, well, at least not as visible as in the traditional system, accordingly there is an opportunity to be less afraid of unfriendly actions there... by intervention in this turnover, well, that is , to summarize, digital financial assets now represent debt obligations of large companies, and in fact distribution is taking place, well, that is, in any case, emission, yes, that is, the issue of these financial assets, it is somehow

regulated, registered with the central bank, of course, all this is regulated, the central bank registers, there is information about this, that is, how can ordinary market participants participate in this process, well , let’s say, these are the advantages, i i think that the yield there is approximately the same as in conventional debt... i think that the yield is higher, higher, higher, including in order to attract the investor, uh, to this new instrument, to accustom the investor, i would like since there are placements that are intended for the general consumer, they are isolated, but there is, as i already said, basically it is still designed for specific buyers, well, or something to test, well, after all, information about this is somewhere in the public domain. this contains information, by the way, the moscow exchange has created a special platform there that allows you to place digital tokens, well, the risks, respectively, are the risks of the issuer, and those issuing these have issues related to the compatibility

of information systems, we are now just that it’s like this, well, everyone has created their own information system, naturally it has specifics, it is necessary that these information systems there are conditionally companies.

in this huge world of investments and, well, as a rule, you lose money there, if you are not an experienced investor, you immediately set out, as they say, in breaking bad, in high returns, which, as soon as you learn with experience, are associated with huge risks, so what now how much this topic has advanced, that’s how much more stringent the new requirements are for potential investors, including the moscow exchange or there with the same any assets with ofz, sfa, there is some news in this regard. tough decisions were made there regarding admission to the professional

market in general, well, last year we were closely involved in this for 2 years, well, we were constantly doing this, but last year we looked like, now what the limitation looks like, well, the limitation should be experience, education, that is, a certain period of work in the market, first working with, well, let’s say with ofzs, with traditional instruments that do not carry risks, you gain experience, then you can, that is, let's do it right away. let us explain for our audience that ordinary risk-free instruments, such as deposits, well, for this you don’t even need to open brokerage accounts, work with ofz, work, well, i don’t know, there the shares are included in this pool, the simplest ordinary ones, shares are included, shares are included , that is, you don’t have to worry that you are limited from everything, this is not the case, but from complex tools, but well , if someone is interested in someone, then you can look for a search engine for derivatives, especially for complex derivatives , financial derivatives tools.

at the level of producers in individual regions, that is, relatively speaking, there is supply, yes, there is supply, there are no consumers, there is not enough, cryptocurrencies are ready to do this and do, in fact, but the matter is actually in the illegal space, because there is no law, that is there, somehow, according to the agreements on... according to the current legislation, which , among other things, creates risks for these miners, the security forces come and say that that is, the state is de facto systematizing and formalizing those processes that are already going on, this really a natural development, i arrived in chebaksary, i went into the apartment, the refrigerator was destroyed, or rather it was leaking, everything was ruined, uh, i started to find out what the problem was, it turns out that the miners overloaded the energy system of the city or home? well

, they complained that we need to restore order, there are real problems in many regions, when the microdistrict, yes, neighbors came to me, when the law is passed, i think that we will pass the law again in the spring session, because in reality the market exists , we need to regulate it, introduce legal space, including setting restrictions for mining in those regions where there is an energy source. in order not to create problems for the household and for other areas of business, but at the same time the circulation of cryptocurrencies still needs to be regulated, i think that we will accept them at the same time, while the circulation of cryptocurrencies will be carried out in this experimental mode, we will highlight the topic of speible coins separately , that is , backed currencies, they are also... actively circulated in the world, they can be

a tool for paying for goods and services, including including the import of goods there that are needed in our country, well, the topic of cryptocurrencies itself will also be regulated in an experimental mode, that is, what does experiment mean, access to this market will be limited, that is, it will be necessary to undergo accreditation either with the central bank or something else somewhere in the state. structure in order to officially work with these tools, well, as i say, let's wait for the law, its final form, then what it will be approximately, i think we understand, based on... both your mood and quite a positive attitude towards this topic, thank you very much that we have touched on so many different issues today, i really hope that this is not our only conversation, and that in order to understand the whole huge palette and financial instruments, and most importantly about how the state treats this and how it plans

to regulate it, i think that we will be very glad to see you again as a guest in our program, thank you very much, navat gennadievich, thank you, this would be a podcast easy money, i’m its host mikhail khanov, and today our guest was the chairman of the state duma committee on financial markets , anatoly gennadievich oksakov. you can see all episodes of the easy money podcast on the channel one website. hello, this is. mentally, we continue to look for formulas in the literal sense of happiness, in any case, today we will do this, i don’t know with what chance of success, but in any case we will try. today in the studio are andrey shapenko, professor at the moscow skolkova school of management, and elena guseva, a family and provocative psychologist. hello, friends, what has each of you just found

this path to happiness, the formula for happiness. i do. i 'll say it differently. happiness is a state of maximum satisfaction with oneself. being her is not an emotion, it is something through which we look at emotions, because there are different events, and if we are happy, they will bring us positive emotions, if we are not happy, we will start crying, that is, this is a way of assessing or a way perception of the world is rather a way of looking at the world, as the ancient sages said, it is not things that upset us, but the way we look at them, the ability to get high, to enjoy, but i see here, well, not just a contradiction, but in any case quite different angles, the ability to get high, the ability to enjoy your forms.

action, happiness is in how we behave, both through our behavior and through our understanding of the world, we can become a little happier, let’s still try . i like to say that happiness is in looking at happiness as a physiological process, because there is point of view that the feeling of happiness, and this deep satisfaction, is such a story from neuropsychologist. from neurophysiology, i would even say from endocrinology, when the neurotransmitter puzzle comes together in the most successful way, it is serotonin that we use, there is not only serotonin, yes, we hug the baby, oxytocin flows, we are happy, we are planning a summer vacation , dopamine, the hormone of anticipation, the hormone of anticipation

of happiness, dopamine is about leadership, about achievement, about success and anticipation. and serotonin, well, the anticipation that i will achieve a certain result, yes, i have there will be yuu, some kind of victory, and if we are talking about serotonin - this is enjoying the view from the window, nature, sitting next to a loved one, watching a movie without hugging, oxytocin - this is when there is already some kind of tactile contact, and we we get just this pleasure from tactile contact, we experience oxytocin, the hormone of love, affection, so if we talk about happiness, about happiness... it’s more about serotonin, when we talk about happiness from a physiological point of view, it’s just the presence of dominance of some neurotransmitters over another, well, that is , cortisol decreases, adrenaline, for example, decreases, that is, i simply balanced it, maybe even somehow with medication or some kind of exercise, or food and my

condition.