he is in china and the province of china in order not to transfer his production, but to scale his production. uh, moving closer to individual resource sources, component technologies and further through china, including, although china itself is a very capacious market to move in east asia in southeast asia hmm, so in my opinion. eh, there are many prospects and this is the bar. i wouldn't even record it. this 250 300 life itself will prompt and business. we are very independent and these new directions will give, uh, a cumulative effect from the limit it can not be. e, taking into account the fact that china, e, continues to grow at a steady pace. now these growth rates have not stabilized at o, in the region of 5 percent e, but in the current conditions this is quite a serious e. the pace , especially given the size of the economy. therefore, 5% of the legs can simply be envied.

this generates great demand and potential for our cooperation, but since it has already become a good tradition in his speech. uh, say a few phrases in chinese and probably sum it up chinese, but this is also in china there are very good e phrases. this is a word that very much characterizes our relations and actually explains why we will develop together and go into deeper technological, as it were, industrial cooperative redistributions. china they say it's like fate is what united you once and for all, based on the fact that you have a common understanding of common values ​​common principles for the development of mutual trust. mutual respect. here's how i understand for myself what russia is and really china, e, they reunited in general by fate and will develop together in industry. in the future i am sure of it. 23 years is actually? uh 10

years, the one train one way initiative and, of course, the pol e committee to further develop trade between russia and china a is working actively in this direction. e. e. we will now ask mr. spin the chairman of this committee to make a speech, dear sirs, verchuk, dear mr. friends. i am very glad to participate in this in the st. petersburg economic forum. although, of course, it's exhausting. first of all. i wanted would like to congratulate you on opening this form. i hope it goes well. i am as well as completely sure that our countries which are the leading countries in the world.

it's a joke for stable and safe development, uh, we are actually within the organization of the sco, from which i am speaking in this case, uh , we are actively organizing cooperation with other sco member countries, and this cooperation, it promotes development and each of the countries of all countries together now in this case, by the way, we are faced with the task of changing the structure of our economy, so that it contributes more to the well-being of our pride. citizens, and it is very important for us that we promote the main ideas in every possible way and that we promote regional economic

cooperation, that we open new paths and development for each enterprise, that all industry employees succeed, that the supply chain, that logical questions. to help us increase production. and we, hand in hand, will be able to promote our joint development together with joint efforts. we may be able to bring up new and, uh, cadres. we can e to invest new energy in our cooperation in this uh this year, we will in every possible way carry out various activities, which we hope will contribute to the development of our relations. and each country makes a big contribution. we also have an absolute understanding on many

issues and in this case we can say that the further success of our cooperation is guaranteed. changes in the russian system of higher education as part of the experiment education and science. thank you for agreeing to answer our questions. thanks for the invitation. ah. front desk company. i would like to know if there are any significant , maybe not significant changes for applicants, what they are preparing for, but basically there are no such significant changes . basically, this is all familiar. i would pay attention to the specifics of this year. it concerns the reception of participants in a special military operation and their children, and in this case we have already talked a lot about this and i will repeat the main points, just like in the past year. we have a special quota.

there are two of them. in fact, there are separate special quotas, but the essence of this does not change, but 10% of each specialty and direction in every university without exception. and this is the first and second opportunity to enter there, depending on the conditions, either without entrance examinations at all, or according to a simplified procedure, that is, without the exam, that's actually. ah, the main major changes regarding the provision of benefits. references for participants of their own and children, what else are any universities well having state accreditation and hosts, of course, for budget places. although i must say that many universities. let's go further and expand these guarantees to provide an opportunity and uh, either free or at a reduced cost to enter. uh, here, uh, participants in a special military operation and their children in the event. if suddenly, for some reason, e will not have enough budgets. well, it must be some kind of specialists for this, so that it is clear

the general procedure for admission. general. you apply for admission, and then it depends on uh, but the circumstances are looking, as for those universities that are participating in this six universities yes that are participating in the transition experiment, yes to the new system of higher education. there are some changes for abitu here. on the other side. yes, i am not significant, on the other hand, we tried to make admission as comfortable as possible for these applicants, let's start with the fact that these are six universities that are well known. ah. and if you look, then all in all, for schoolchildren, for graduates, there will be an opportunity to enter the school, and this year, these six universities will 179 new educational programs, these educational programs are being finalized and reworked right now at this time, because universities have the right to both their own standards and the opportunity to finalize the program. and i must say that one

university is complete, but completely transfers to the new system of higher education in all programs. this is st. petersburg mining university, and other universities are moscow aviation institute, tomsk state university of messi. ah, moscow city. moscow state pedagogical the university and the federal university named after kant in kaliningrad, they chose the program for which they transfer, and these are very different programs. this is the chemistry of materials science , aircraft construction , aircraft engine building, to the actual jurisprudence and, e.g., pedagogical sciences. well, for those viewers who may not be in the know? but why is this experiment being carried out at all, that is, in order to still study longer, so that specialization here is more a request from the enterprises themselves, so that specialists get to them. here, try the request is long overdue and you know that e reasonable, proper claims to those of higher education. well, a lot has already been accumulated by the universities themselves, its teachers and

employers, so i must say that the main goal of these transformations is, of course, improving the quality of higher education, and the demand for a graduate in the labor market, etc. in what sense is it also an increase in the efficiency of the use of the funds that the state allocates for higher education, because we have a large the number of budget places. and at the same time, we feel at the same time a shortage of personnel, which many employers are talking about, this situation has certainly been changed for a long time and the reform. it is aimed, of course, not only and not so much at reducing or lengthening the terms. these are important aspects that are discussed in the professional community, but one must get away from confrontation from opposition. there bachelor's and specialist's programs should be looked at more broadly and reformed. she uh, these transformations. they concern literally all aspects of the work of universities. this is the load teachers, including the bureaucratic burden on them, this and curricula. this is both

standard and the involvement of employers. this is for a certain set, one or another discipline. and well, and much more. this is practice orientation. while maintaining the fundamental nature, it is very difficult, by the way, task in a sense , contradictory, but, nevertheless, these are the requests in today's rapidly changing world for a university graduate, and these are the tasks that need to be solved. we see what has been bought over the past, including in recent history in russia, something has turned out somewhere, we feel that, as in the magistracy , it was not possible to make a significant step forward in the whole system and such large-scale transformations must be carried out, therefore, taking into account the experience. uh, the entire previous soviet period, even the pre-revolutionary period. and, of course, the latest experience. today, a new stage in the development of the higher education system begins. yes, but at the same time , many thought that this was a return to the soviet system, of course. it is absolutely not so impossible to step into the same water twice. well at the same time, all the best that was in the soviet

education system is often mentioned about fundamentality, of course. in a new reading. a new university fundamentality must be provided. this is the breadth and at the same time the depth of the breadth, when in a rapidly changing world the release of university books feels comfortable, this is precisely education. not just professional skills. and this is a broad outlook and with a forged picture of the world, this is what we need to definitely achieve a completely different level of literacy the level of education, by the way, is based on these six universities. e, there will be changes, not only for those who will enter after school, i named 179 programs at the new six universities, but these universities will also have the right to accept e for the master's program not only graduates of free bachelor's programs in all other universities under the law. today only undergraduate graduates. the right to enter master's programs for state-funded places, and the experiment provides an opportunity for graduates of specialties of those who studied

as a rule, 5 years also to enroll in the program receive a specialized higher education free of charge. this is an additional feature. this is not an obstacle. and a chance to get an in-depth education. well, yes. they just said about career guidance, but about practice. this is very important. that's when you visit many businesses. they said they were leaders. well , not enough knowledge. yes, that is, we don't need it, we really need it, especially now, when the country is embarking on new tracks of development, including with regard to engineering personnel. yes here, of course, a very important question, you can also talk about preparation here in more detail. we have been doing this work for a long time and it would probably be right to say that we did not start it this year. i will give examples. uh, our largest project to strengthen the connection of universities with industrial leading corporations and industrial partners. these are cutting edge engineering schools. even last year. we have selected 30 universities that

have created new, engineering schools and are preparing, as we say, engineering special forces, that is, personnel are trained to solve the most complex engineering problems. each such school has an industrial partner and a learning feature. there is student involvement. all, without exception , the involvement of their solution of real production and engineering problems of scientific and technical problems. you know, this is learning through involvement in real projects. uh, this is one project, the second project , you understand, because the quality of education is an integral characteristic. it depends not only and not so much. here is the creation of a new one, let's say a university school or from a new program. it depends on who teaches, where he teaches, what he teaches and who studies, and in order to attract talented applicants in order to make it more comfortable to work as a teacher, we are creating a new, and the material and technical base is a huge capus modern advanced . this is

a large program that is being implemented on behalf of the president and hmm under special control. it is the program of the prime minister of the russian federation. i would like to give an example in the part concerning engineering education. here, already this year, by the end of the year, construction is being completed, and two campuses, and the largest universities that train engineering and technical personnel, one of them is hmm, and the bauman moscow state technical university in 24 in the first half. uh, the campus of this engineering university will already be fully commissioned. and this is for you to understand 269.000 m². only uh, in the city of moscow there are another 128,000 m², a separate campus, and a branch of the bauman moscow state technical university in

this is also important for kaluga, because it is one of the industrialized regions and there is a campus there, which includes e , educational laboratory space, that is, an educational building and a huge hostel for several 3,000 people and a large block associated with e, sports infrastructure, including a fifty-meter swimming pool and much more, but to make you understand 128.000. on the banks of the oka , located on a site in kaluga on a site of 28 hectares, the second example is our largest university, which has the largest number of budget places, ural federal university there as part of the heritage, uh international uh student games, and already built. and by the way, this event will be held in august of this year . hmm, five dormitories for 8.5 thousand students have already been built . and the medical

center is all, it's today. hmm 268.000 m² in addition, so you understand, but 100.000 m². now in construction. this is the second stage of the campus, which will be introduced in the first half of 25 and, of course, these new conditions, while the first one is two dormitories already transferred and now literally by august. they will already be put into use. in the beginning, for this international event, the student games festival of student sports, and in the future. naturally, they, as transferred to urfu, will be used to organize the educational process for students to live and will probably solve one of the main problems of any university - the shortage of places in hostels, because 8 1/200,000 places in hostels this is a serious help to the university. that is, i just want to draw on the example of urfu attention. they have 300.000 universities today. hmm. if you look at the campus first and the second, which will be built, it turns out that

it doubles. uh, the total area of ​​the university the university becomes twice as large. that is, you understand what kind of modern infrastructure this is. and given that ural federal university is traditionally a very large unit of engineering and technical education, then we understand with you that these are other laboratories , other classrooms, other hostels. this is another attractiveness for students from different regions. russia well, of course, foreign students from abroad love russian universities, and, by the way, they are named among them. uh, now there are probably a lot of students from all over the world. well, including from a friendly our question was found. thank you. big. thank you. why is a credit savings card the most profitable in the country every month a new interest-free period of 120 days begins?

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successful entrepreneurs. team. professionals. quality of technologies, domestic production reliability in every moment of movement. transfers to india and turkey were announced by anatoly pechatnikov, deputy chairman of the government of the bank's management, on the sidelines of the economic forum in an interview with our channel. he also predicted. what will be the volume of retail lending to russians at the end of this year? let's start with the retail lending segment, what is happening in this segment now? what are the results of vtb's first half of the year and what results are you expecting for the year? you can already sum up

the statistics for the first half of the year. i am very pleased to note that it turned out to be a record for the entire history of observations. uh, and this year this year. e, too, will break all records. now i mean in terms of issuing new loans. uh, citizens of the russian federation already. well, definitely after last week 's decision of the bank of russia to maintain the key rate, we can confidently say that this year more than 14 trillion rubles will be provided to citizens in the form of loans for the implementation of their consumer clans. and this is a very good trend, a very good trend. why because people start spending? people can already plan for 3-4 months for a year and beyond and make large purchases. this suggests that the economy is stabilizing and we can already move on to planning, there are

3-five-year estimates. why is this happening? why such an acceleration in consumer lending? after all, it is preferential programs that decide. well, the growth driver will, of course, be secured lending. these are mortgages and car loans. there you know the action. uh, very large down payment interest rate subsidy programs. and of course, more than 50% of all loans granted to citizens this year. these will be secured loans for the purchase of real estate cars. well it's all the same fine. yes, because it is long-term consumption of long-term plans for large purchases. our economy needs this, a little less than half of it is not provided for. here, uh, and here, on the contrary, the regulator limits this engine while the pledge curve is actively supporting, so there is some kind of balance. here it forms the result, which we have observed, how much support it will be for you, and when these segments, about which you mentioned, will be able to earn mortgages and car loans without

state support. now even redundant. here because more than 90% of mortgage loans for the purchase of a lot of apartment. uh, well, an apartment in apartment buildings under equity agreements is more than 90%. they are bought by citizens at the expense of mortgages. here's, well, my expert opinion on what optimal support is. it should be somewhere, if in terms of vot e, percent e? interest issuance of loan support is about 25-30%. that is why, of course, next year we are waiting for the reform of state programs. quite obviously they are ending next summer or good programs. e ends, main in fact, it is also a family program, but it will be modernized. therefore, a big reform awaits us. this means that the main ones criticize the design of these support measures, how they are

organized in just two moments. the first is the lack of targeting. that is, we help both low-income families and wealthy families . and the second is that we have at the expense of intensive. and massive support for housing under construction, uh, 40% dispersed prices per square meter, apartments under construction, and in the secondary market. this also creates a vulnerability for the financial market, because a citizen having bought an apartment under construction, having received it as a property, for example, he has the intention to sell it and move, and, uh, he automatically has a price per square meter, when this apartment enters the secondary market it drops by 40%, he cannot even cover his house from the sale of this apartment. this slightly distorts the situation in the housing market if it creates vulnerabilities

for the financial sector. this needs to be corrected there, well, they have seriously fallen, especially when compared with the same period last year, when we saw very high rates there, what is the demand on this market now and what about deposits in foreign currency? well, look the traditional sector is savings accounts and deposits. and today , the approximate average rate on an annual deposit, for example, is about 7.5%, uh, targeted inflation, even the inflation forecast is still lower and we will not name numbers now. well there four five six five - that's lower than what the banking system is today paying to save. and this is good, because, well, money is multiplying, not devalued, so the current level the center just determines the rate of inflation . the key rate and it is optimal. here is a positive trend in the savings of citizens is that

people begin to lengthen the terms of their savings. which was not the case last year. here people then thought month month today. today this is already an annual basis, but this is also not enough for the country's economy, of course, i would like to have long-term resources so that we can invest in projects with purchases, there 5-7-10 years. that's why stability will need stability, respectively, there will be deposits for 2-3 years, but for a year now it's good for today's economy. foreign exchange is, of course, losing weight unfriendly in the first place. here we think that by the end of the year in the society of citizens. it will not be more than seven percent, but we started, 10b just make up the difference. first of all, the yield market

why don't banks make deposits? where is the temple, because corporations do not need it, where the temple today will be in demand, the corporation will have a request for borrowing. yes, then there will also be a proposal for a new trend in the economy - cross-border transfers in soft currencies. vtb was one of the first to launch what is happening there now and how can the geography expand? to which countries? i will only talk about payments of individuals. yes, because for a corporation it really is. well, super important topic, because all foreign trade activities. it is related to external payments. there are moves there. well, citizens of citizens are also in demand translation. so, today we have covered 11 friendly countries, and the ability to pay. uh, russian currency. now we are on the way, india china and generally before the end of the year. we want

expand the coverage area of ​​this service by 25. and, what else is happening in this area is positive, customer experience is still significantly improving. here we are all russian practices that we have payments by mobile phone. we all try to transfer qr payments to our russian countries so that the client does not have to enter all the payment details. here, yes, in order to be able to pay by the phone number of the operator to stroke the country. hey, they're working today. here are lightweight technologies already working on a mobile phone and by number cards. and i think that by the end of the year we will create another payment service with clares with a number of countries. it will be even more convenient and easier for our citizens, if we talk about the volume of transfers. of course, they are not comparable with the volumes that corporations need for trading operations, but the growth is a whopping

three times our volume of payments has grown over the past 5 months. compared to what it was in the twenty-second year and our customers of about 100.000 payments are already completely thank you very much for the interview. competitors learn more about your customers. compare performance with competitors in the sber business app.