[000:00:00;00] corporations need now, well, to invest massively in entering those new markets that we used to, well, a little bit. what is called missed missed business in russia the day before yesterday they received the president of algeria because in negotiations with the president of the federation of algeria 55 million. we, in addition to military-technical products and energy in practice. unfortunately, there this market was not mastered , the rural ones turned out to be great. and now, it turns out that we have a much larger and wider set of opportunities there, so business needs to be supported first of all in those directions. eh, where does he need to be called to go beyond what he, as it were , needs and is peculiar to himself, where he needs to be pushed to a more aggressive more such i would say. bold politicians and the state, in

general, it seems to me, understand that this is such a win-win, that business, society and the country need it. you just talked about individual industries. and if you look at the size of the business recently, sin did not say that the proportion of small-medium businesses. we have 20%, that this share is a quote, and shameful, that's how would be appreciated. small medium business, in my opinion. uh, in russia, firstly, after all, first of all, it is limited by all the thresholds that we have set for ourselves. that is, here, in fact, smes - this is 2 billion rubles in revenue in the world - these are slightly different figures in this part. to be honest, i always thought that delovaya rossiya is my main thing, what is called the client is my own object of care and guardianship, these are entrepreneurs who have already gone beyond two billion, but have not become. what is called the largest e russian kame then there are not those who are 200 plus these 2.200. these are those who, on the one hand, can no longer take advantage of all the support measures

that the state is powerful enough and has set up on a large scale for smes. here, there personally represent the government. there, huge attention there is paid to supporting precisely the fighters, yes, but it cannot due to economies of scale or due to its strategic importance. well find some special measures of individual support, what's going on with our biggest industry players. there conditionally trillion turnovers. with this it is probably the most difficult for companies now, but it also depends on them, first of all, how much we will ensure our technological sovereignty, how much we will manage. eh, with, as it were, with tasks in the new conditions, eh, which , of course, for everyone, direct the machines , put attention and absolutely take care of them and definitely do absolutely no harm anywhere. eh, disappointment. uh, the ideologies of the state and entrepreneurs.

alexei evgenievich talks a lot. now the so-called us profit tax or for cereals. e corporations tell me how business is now preparing for this. what they say in the business community, it was originally conceived as a real tax on those who received super profits. now it started like this and at first it concerned 20 companies, then there may be forty, and then a little more now it is more than 1,000 companies. that is, those who could afford it. it's like. well, what is called dispersed to everyone, including those for someone who is really sick. i believe that, of course, we made a significant mistake in the elaboration. e. well, what is called accurate formulas and precise fine-tuning of such fantuning, eh? this fee is applied to those companies whose profits have fallen sharply, which, for example, in the second year after the start

of a special operation, who have a hmm, uh, there are two effects, well, as it were, effects associated with fatality, and there are also special super-interest on communiz goods, but who received an increase in revenue in 20, for example, the first year due to their investments, which were not there before, that is. in general, how is the logic of the solidarity tax for those who can afford it? i think it's absolutely normally, we calmly added 2% to our personal income tax for targeted assistance to children. yes, there are patients with severe rare diseases. no one has ever objected to this. this was perceived easily by the business, but also by the entrepreneur himself, who, well, and the managers who paid this tax. yes, it was 13-15 perceived, well, very calmly and very understandingly. here's info shouldn't concern those who can't afford it all or it's really

hard for someone to screw. fu that's not supposed to. be factor a shifting representation of business fairness in a conversation with the state here, for whom it is easy and for whom it is there 1 2 3 percent of the total tax burden. i think that this is feasible and acceptable for them. therefore, we just need to work with the ministry of finance before the second reading. uh , with the government, because it is called to bring to some point, which the business will correct itself somehow fair and understandable. in this, as it were, in the current moment, which is difficult, which is called satisfying everyone and how would the government, in fact hmm well always takes the position of trying to be as constructive as possible. e in dialogue with entrepreneurs. well, here's a little bit in my opinion. what is called there is a showy

capable shop, when well, having let down a big initiative of the level of the largest there so- called. we can crush graphic companies down, uh, thin vulnerable and so far not called ingrown roots. ah, entrepreneurial initiatives. here , of course, aleksey evgenievich needs to be very careful with this. finally, one more short question, tell me, if we talk about non-resource exports now, experts. they say that it is necessary just if we are talking about the survival of the economy in some medium or long term. that's what is needed now to develop this direction in full before, it is important to first of all believe in the quality of their products and continue

continue to continue uh, work on improving it, we are not shy on our products, we are not ready to compete simply, because psychologically there is some kind of barrier, and we like to look for what we do well, some flaws, but instead you need to boldly go forward improves the product such a benchmark in due time such a. this is a confirmation of your quality, on an objective and independent of the market, so exporting is not only a matter of pure economics for us. this is also a question of the certainty of being able to take your own market. so all consumers felt that it was no worse than it was before. thank you very much alexey evgenievich. let me remind you that in our studio in st. petersburg there was alexey evreevna, the chairman of business russia.

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but now we will continue the conversation. let's start from the digital ruble about him. now they are talking a lot, can you explain why this project will not be launched in any way, and when the digital ruble will already begin to operate in russia well, in the beginning. i'll probably dot it just right for your phrase. this refers to why they won't launch it in any way. and just from the point of view of launching. and if we are talking about the platform itself, we already created it in may, and made an industrial solution, that is, which is ready. planned what we are waiting for. we are waiting for the law, we are waiting for the law on the digital ruble. and we hope that this spring session, which is already coming in the summer, but we hope that this law will be adopted. so, as soon as the law is adopted, a we begin testing on real clients on real operations, and a this year we want to test three groups of operations with a digital ruble. the first is

the opening of wallets by the bank to citizens and businesses, the second is transfers between citizens in digital rubles, which, by the way, many are waiting for and really want to try and the third is directly payment in trade service enterprises. they will be at the same time, right? correct yes all three types of operation. we want to launch at the same time, of course, this is a narrow circle of customers, which is why it is a pilot. but what is important to us. it's just in a real touch and see how it will work. and the pilot stage. we specifically do not set them some kind of limitation. that is, when it needs to be completed, because, in principle, the experience of our successful colleagues, such as china, is already testing a. operations digital yuan, me it seems to be the third year in a row, and he is just talking about the fact that this needs to be done in stages to look technically from different sides and organizationally. how it works is to correct something, if necessary, and make a decision about a full-scale launch more consciously when all the pilots have passed. and you

follow. yes, we follow their experiment with all the experiments and with all the pilots that go around the world, when you have time to do it. eh, but nevertheless the question, of course, if in essence, then there were a lot of studies of specialists who talk about there are fears that the digital assets of central banks, currencies, and central banks can seriously affect the activity of the entire banking sector in general. what well, to put it bluntly, it will have a negative impact on business commercial different opinions on different opinions different situations. well, at the beginning, i clarified that the national digital currencies issued by regulators and digital assets are two different topics, and i will now focus on right-wing currencies. yes, but in fact , from the point of view of a certain liquidity current, what banks are worried and, uh, our bankers also raise such a topic in international projects.

some people ask these questions too. and what will happen if all the liquidity from the banking sector flows to the central bank platform into digital rubles? firstly, it is very important for all of us to understand this. and the digital ruble is a new means of payment, a new means for payments. yes, this is, uh, the third form, the national currency. we have cash rubles with non-cash there will be a digital ruble, but we create it and provide it first of all, er, and mainly for no payments for any and other transactions. that is, deposits will not be stored in the digital ruble. we will not accrue interest will not be issued, respectively, but moreover, so that banks can better manage their liquidity. and now we are discussing the topic, that when a person transfers his non-cash funds into a digital ruble, that is, from bank accounts, and he can do this in an amount of no more than 300,000 per month. a limitation, but, but,

when the money is already on the digital platform. 2 rub. right there, and there are no restrictions, then there is, let's say you transferred a month, a 300,000 from your non-cash funds into a digital ruble. irina irina irina also transferred to you from the digital ruble platform, and 200,000 digital rubles. you have 500.000 in your wallet. you can use them safely without any restrictions. and to be honest, we have such a system in the country that gave the opportunity to citizens in this sense to act by analogy with a cash wallet. how much is the theme, can you use it? yes, we do not, because even in terms of non-cash payments banks impose restrictions. what kind of day can you not transfer more than such an amount, or there you have a limit per month. you must not, not all banks are some, but nevertheless such a certain dependence on the conditions of the tariff of banks. it is certainly non-cash, and the world in terms of non-cash reports exist, and what else is

a good digital ruble for us as citizens. i really really look forward to it honestly, but because i myself have been using non-cash funds for a long time, i don’t have personal funds in my wallet, but i really don’t enough. just to have some tool where i don't think. what is the tariff and how much am i allowed to transfer, and from this point of view, the digital ruble will be free for citizens in terms of transfers, that is, we will be able to transfer each other without charging a commission. and this, of course, is extremely important for a person. story. let's talk about the fast payment system. the bank of russia is developing a loyalty program for it, can you tell us what it will be? and the system of fast payments for us, probably, is one of the existing systems, since the system developed in the nineteenth year, such a key because, on the one hand, it allows different participants to connect to it; on the other hand, every second citizen already uses it. i am very pleased when people who do not know where i

work. they tell me oh oh you translate from bp you know such a good system. here we highly highly recommend highly recommend, yes , and take advantage. no, i don’t answer like that, of course, but in fact, i’m pleased that people in everyday life in general, in their seemingly ordinary life, use it very actively, and there are still different systems you pay 10% discount. here are some that do. it just exists. this is a loyalty program that we want to launch not even in the form of a discount. and we want to make a loyalty program in the form of a cashback, when real money is returned to a person directly to payment through the kruto a bp for the second half of the year. it’s just that we have this period when we want to do such a pilot together with for the time being, that is, you pay through st. petersburg and receive within a certain time, immediately the money back to your account in the form of rubles. and this is probably one such moment and the second moment we see that from the point of view of accepting payment by qr-codes through st. petersburg

, there are also some moments that limit the possibilities of payment that limit a person, because some financial players. and how to say, they substitute another code together with the bp, or not always, they tell the truth, with which qr-code you can pay here, of course , we want all our own trading enterprises to very clearly give the client a choice that you can pay. that's how it is instrument and please, as a person you are already choosing all these convenient ones, this is generally interesting, but i would like to return a little more. here are the problems for banks. after all, this is a very serious topic. as far as i understand, the regulators have set it up to not drown the business. and to support them and give them new opportunities, but because, well, like, for example, the shareholders of banks and in general, the bank as the basis of such a system yes, the current financial system, if they feel good, everything will be bad, so uh, will there be any other measures to support banks and do you, er, understand? at the leadership, we

recently met with you at the session. i did not begin to ask how it would be to live with the digital ruble. but here, maybe i’ll ask, i’ll talk more today a little later, but grandmas, how do you know how banks react, they react very differently. and i would single out such, let's say, three groups, to be honest, and the first group, which understands that the development of payments and, in general, the digitalization of payments. this is no longer the main source of income for them. yes, how many banks are trying to do transactional business. we are with you too today's session discussed yes main source or one of the main sources of income. although, we would like banks a-a to lend more and earn on loans. that is, where really it is necessary to save and the enterprise. this is their direct activity, of course, this transactional business should bring some kind of a penny, yes, by the bank, but it has to be somehow. and it makes sense, yes, but secondly, there must be different options. and certainly it

should not be to cash in on citizens or businesses at the expense of payments, but we are against this ideology, so returning to the topic of your question, and the first group of banks. here, firstly, 13 banks are going with us as a pilot. i don't directly really want to, i meet with them regularly. my eyes tell me. they say that when they get in touch often they understand, they understand that this is a new opportunity, but for competition this is a new stage of competition, once you start competing with the best customer service and convenience for the customer. they are simply the fact that you take a commission from him. and by the way, here is an example to show very well. this is st. petersburg we watched and thought for a long time, in general, one of the banks will realize that if you do not keep the client inside, but give him real freedom of choice and opportunity. that is, for example, to say that you can transfer funds from my bank to any bank for free , as the infrastructure allows, then more customers will come to you. and so i will not

name. i will not name these names, but one is the largest bank and the second is no less large, and they have already adopted such a tariff policy, and i saw this flow of customers directly according to our statistics, when people they understand that they don’t pinch inside me there. yes, i will be served in this bank by him. these are some good products, yes, and most importantly, i can easily transfer money to any other bank for free. these are the banks that think let's say in the medium and long term. of course, they treat the digital ruble with understanding, and for them it is more a new means for innovation and competition, the second group of banks, as well. high-quality, which still prefers to keep the client inside no, so it’s more difficult not to let it out anywhere here, of course, because for them the digital ruble. yes, this is the possibility of free movement of funds and even despite our there limitation of the planned 300.000. they don't even want these small amounts. yes, a let out of himself, which

from my point of view is unfair to citizens and business is unfair, a and the third group of banks. and they just say guys. we're just technically not ready yet. we want. yes, but we wait there for our turn. by the way, we have already formed the second stage for the pilot digital ruble. these are 10 banks. and here are nine who say they will give us. e your decision in the near future, that is, 13-10 and another plus nine. let's talk about another digital citizen profile project, in general, you can tell us. explain for us. e what is it? how it works? how many? consent is already in the system, and most importantly, how are the digital data of russians protected. uh, the ruble wanted to say, sasha says no. but it seems to me that there is, if you are a user of public services, and i’m here for sure

, but you have sorry, you probably, not digitally , are not a representative of public services, but you don’t use this data somewhere else, but you don’t use this data, although you are absolutely sure that it will be how we conceived this project in general, where did it actually come from, namely, from market requests, in general, all the projects that we do , as the central bank in terms of figures, and they, but under themselves have three goal-settings, or this is a market request when market participants cannot do it themselves. and this is the first reason, the second reason is when a the market has a desire, but no funds, but it is needed as an infrastructure for sovereignty, which we recently discussed at the session. yes, and the third is when, ah, we see some new opportunities, like the digital ruble, for example, yes, because other countries have already gone there, yes, and we understand, in order to keep up as a country and to be in the top ten . forgive me not

to catch up. yes, we should initiate such projects ourselves. here are our three reasons, when we enter the market with digital infrastructure solutions, the digital profile arose, when we started, and people are business, by the way, banks say the guys in state systems a huge amount of data is huge about a person as well as a business. why do clients, when they come to us for financial products, services, bring us such volumes of paper carriers with this data, you have accumulated all this data, you have it, but in state information systems there, for example, about a person's last name. that passport data is everything that is needed for a loan, and a person was forced to print it out to carry to the bank. when we began to analyze from the ministry of figures, we simply answered for ourselves, what can we store the data that is already in the systems and the person must consent to electronic storage. can we transfer them with his consent, for example, to a bank or insurance organizations to receive this or that financial product, and in

this case the person does not carry any papers. he just goes to public services. but really. there is such a profile here, the digital profile notes itself. what data should be provided, for example, at the request of the bank gives its consent , these data are redirected to this match, a further on, he is informed whether, from the point of view of his creditworthiness , the bank is ready or not ready to lend. but this is so very forgiven. we have several products done this way, and we have it today. this is 34 million people who have used this service. in fact, this is not a little, because even if we compare it with the previous period, there were 24 million, that is, people use it. and now what we would like to do together with the mintsif is, frankly, a convenient client path, because we have one, but for me it's a pain. yes, and i always start with this. i say guys, even if we are technically making decisions, let's always look through the eyes of the client. we, too, the client should

be very comfortable for a person, if this word is in the application, you are already lost in the middle and so on. and in principle, that is, what is needed is the fact that it can be made more convenient. this is a task for us in medicine this year, so the question of the security of this data arises almost every week, we hear information about data leakage, how the security of digital data is ensured. digital precisely, because it is a state information system. there is a completely different requirement for the level of security to the threat model. that is, initially the system is built with special emphasis. here on this area it is information security and a. ah, and colleagues of the relevant authorities, in fact, this is very tightly controlled and monitored. therefore, i would say that since these are non-commercial systems that do not understand how they work, yes, but the state information level is the level of security. there is very strong, and he is constantly being improved. this is what i see, however. so some smart hacker got in, and, uh, charged me something

or wrote a loan, how to deal with it. these are all a bunch of questions written by some of your assets. he does it all the same in banks in banking applications. but not in these systems, this is just the topic, but how banking applications and the banking system continue to actually protect. it's true. you know, there will never be a situation that we will reach the ideal level that there are smart guys. hackers are our smart guys, who oppose it, but really the question here is, who is faster, who is better, and who can actually strategically foresee? here are some stories i have to say that despite the increase let's say. so losses, that's about fraudulent schemes in absolute numbers in terms of the share , it's just here to wear on the numbers, this share began to decrease. and this trend pleases us, but

we understand that there is still a lot of work to be done, and in fact, we are banks here, and we copy very, very well. we have an understanding of what to do next when, this has been touched upon. i just i understand that the happy owners of bank account applications and so on will be more protected at the initiative of the central bank, which will force banks to return incorrectly transferred money. even if you formally gave consent to me, please provide such information as far as it is true. and now we are discussing just such a thing. we have a project with such ideas. it seems to us that we need to move in this direction, that is, citizens should really be protected legally, not only technically, yes, but legally, if it happened, without their consent, without their knowledge, so that they would be held responsible for this and their money would be returned to them. this is just a discussion going on at the level of us, and the state duma. i hope that we will move forward here. olga nikolaevna, the last question, if i may, briefly, a digital profile, of legal entities. it will be the same only

for a company absolutely this is the same idea only for legal entities, that is, when from state infectious systems already legal entities for their financial operations or there, for example, did yes, uh , they receive their consent data electronically, by the way, a digital profile for small medium-sized businesses has already been launched. that's literally at the end of last year, but our task is to make it for all persons, they are only for a separate segment. the question is also a set of data that our business needs, but the topic is in great demand. as the central bank, although we are not digital, we, as a driver , have a lot of great things in digital. of course we do our best. and perhaps we are puzzled by this question all the time, when there will be a full-fledged digital profile for legal entities, and the decision has already been issued, which is good. now we have technical and operational questions. it remains only for sasha to register for public services. i don’t like to press a lot of buttons, you do it