[000:00:00;00] course on sustainable development, we had distance and face-to-face classes, after the class we came to sberbank and there we had classes, where we were shown presentations, we developed our projects, we were invited to speakers and we were with them discussed these problems, solved cases , and worked on some of our own projects. students devoted most of their work to protecting the environment. the kids did a whole lot. project, they divided into groups, made projects in the field of ecology, defended them in front of the jury, there were sberovites there, and social activists, and ecologists, and this is actually a first attempt, and then this course, of course, can be scaled up throughout the entire university. sber also works with schoolchildren and entrepreneurs; companies have many projects in the field of ecology.

multidirectional activities, this ranges from volunteers to very serious projects, the level is there , as it were, because it is now impossible to finance the construction of a plant without so-called green funds; in just a year, our portfolio of green loans has grown by two, we have already our portfolio is about 46 billion, only for the bakai bank, namely green loans , the company’s volunteers participate in eco -actions, for example, to clean baikal from plastic. in addition, sber is developing walking eco-trails, they recently opened a new route istok angara, which starts from the port of baikal , this is a route with a length of more than 8 km, and there are now equipped - rest areas, signs, we believe that uh, this place can be developed from the point of view of tourist interest, because this is where the circum-baikal route begins railway, and this attracts a large

flow of tourists. every year more and more guests come to the region. the main point of attraction is lake baikal. a master plan has been developed for the areas around it, which covers an area of ​​385,500 km. population of almost 2.5 million people. it is very important for us to comply with the national project of tourism and the hospitality industry. these are our three key blocks, these are the first, infrastructure projects, this is the promotion of our region. and the third component is those people who decide what our hospitality, in order to spend time in comfort, is building new hotels, while baikal is a special zone, capital buildings are prohibited here, however, the region can attract guests not only with the lake, here begins the large baikal trail, 50 km long, this route is one of

the most popular among tourists, several tens of thousands of guests visit it every year during the season, the main beauty of the great baikaya trail is that it is very long, as you can see, it goes right along the very shore of lake baikal, that is, there are very picturesque ones there views, the trail itself, it is not categorized, it is accessible to anyone, tourists , travelers, with any level of training, in total there are 24 hiking routes on the territory of the pribaikalsky national park, but so far they have been developed... only six, what you brought with you to route, ideally you should take it with you, yeah, in order not to harm nature, in the twenty-first year, and we joined the national parks without garbage project, it is carried out by the foundation, lake baikal, we started with the creation of separate collection sites garbage on alchon island, this is one of the

the most visited territories, a national park, now want to develop a new direction - cruise tourism. this year we had, so to speak, the first such experience in all specially protected natural areas , which are located on the coast of lake baikal, and we united into a single route, it is called the protected necklace of baikal and under the guidance of the russian federation we went along this route first train tour. in the twenty-second year , almost 2 million tourists visited the irkutsk region and this is far from the limit, the region has great potential for to achieve this, the infrastructure needs to be developed. projects with an emphasis on ecology and social responsibility are being developed throughout the country. next time we will go to the vologda

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the federal tax service to declare client-centricity here? and what support measures can those with a cash gap qualify for? in just a couple of minutes we will talk about this with konstantin chekmashev, deputy head of the federal tax service of russia. well, for now. over the 8 months of this year, the period for verifying the tffl declaration and submitting tax deductions has been halved. now, on average, this takes no more than 20 days, with a legal limit of 90 days. this was announced by the head of the federal tax service of russia daniil egorov. according to him , the acceleration of the tax office is ensured by optimizing processes and improving the software. decision in attitude. investment property deductions are now accepted in just 5 days. 22%, this is how much the number of cars registered in russia over 10 million rubles increased over the past year. thus

, the number of cars subject to increased transport tax as a luxury item has reached almost 2000. along with the number of such cars, the income of regional budgets is growing. last year the volume. collected with an increasing coefficient amounted to 3.340 million rubles. in total , there are 449 models in the list of expensive cars. initially there cars worth more than 3 million rubles were brought in. from 2022, the threshold has been increased to 10 million. the tax authority intends to accrue almost $29 billion in additional taxes to microsoft corporation. us service. the service's claims relate to transfer pricing for the period from 2004 to 2013. microsoft's official statement says that the corporation does not agree with the additional charges and intends to appeal the decision of the tax service.

it was noted that the company has enough free reserves to cover unexpected charges. so, right now. contact us konstantin cheknyshev, deputy head of the federal tax service of russia. konstantin. hello. hello, larisa. today we are talking about debts and debtors, how the tax service builds relationships with them. are you ready to meet each other halfway to hear each other? i know that the federal tax service has been developing a systematic approach in this direction for several years now, let’s talk about it. yes, larisa, here, every process always has two sides, and we really have been working for a long time, which is aimed at, uh, the difficult, linear application of all measures collection, everyone is the same, from everyone, exacting, despite... the current financial condition

, we began to cluster debtors, began to look at their behavioral model, and most importantly, at their financial condition, at the objectivity of the economic situation in which they found themselves, of course , that there are systemic debtors, there are those who want to evade, but these units are still basically a bona fide business, and this is especially evident now, when we do not have the easiest situation in general in... the economy and we saw the need to respond very quickly to such multidirectional movements in the financial condition of a business, to which we cannot help but react, well, firstly, as a government body, and secondly, of course, as a stern creditor. for any good creditor, one who wants to receive money that is actually due to him, it is very important in this situation to have on the one hand an equal, understandable... counterparty who understands us, who wants

to repay the debt, and for this he has all the tools, this is for him do it conveniently, in case when he has objective problems, including a cash gap, a temporary cash gap, he can enter into a dialogue with the creditor to receive the support measures you are talking about, that is, for example, deferments and installment plans for tax payments provided for by the tax code, yes we we are really carrying out this systematic work, especially it , of course, has intensified in the last two years, this is our obligatory reaction to those objective changes, structural in the composition of financial indicators of debts, which we see in economics, that is, your attitude towards the taxpayer-debtor is mainly motivated by the fact that you are a prudent creditor, and not by a client-centric approach, the basis of everything is an accurate calculation, right? laris, we do not separate client-centricity in this situation from reasonable economic

behavior, the interests of a reasonable creditor and a reasonable debtor always coincide, the interest of a reasonable debtor is to repay the debt, but in such a way as to continue to conduct financial business activities and have liquidity in order to receive additional income and support ourselves, our assets , our employees, the interests of the creditor , so that this really continues, because well , firstly, we are such a systemic... of income, we obviously need to receive what has already been read, and expect that a healthy business will continue to benefit the economy as a whole, and of course, the tax base. konstantin, what does your communication look like with those debtors you want to help? do you meet and communicate in person, or is there some kind of written communication format, what does it look like, we have a special mechanism that i definitely have to present again, probably, we

’ve had a special situation for the last two years that we’ve been responding to, uh, at the beginning of 2022 year, literally in the first quarter, we realized the need to create a systemic structural institution of support measures, such support measures for debt restructuring, and uh, together, agreed with the ministry of finance, we created a so-called platform for debt restructuring, for this our the federal debt settlement center was specialized, it allocated a segment of employees and a technological segment, which made it possible to receive debtors so that they could be served here precisely from the point of view of an analysis of their financial condition, the place where they could be heard, where their financial model could really be considered individually and their needs for such restructuring could be objectively assessed in order to apply the support measures that

are available to us. and this, as i said, this installment plan, deferment, for those who have already gone a little further along the path of collection, for example, signs of bankruptcy have already appeared, settlement agreements in the courts are also possible, this tool is also popular with us, for example, there is an even more popular tool, this is when there is a very short cash gap , there is no money right here, now, then there is an opportunity to simply postpone measures to collect tax debt, naturally within the limits established by the tax code, in general for the period from april 1 2022, so we carried out the last measurement for september, during this time we received such support more than... 860 billion rubles , there are already several tens of thousands of payers here who were able to receive such support. now we can highlight some industry segments of business that most often end up among debtors, or give some characteristics to such companies. our counterparty is larger, based on

the amount of debt, still more systemic, our taxpayers, well , for example, i’ll give a few figures, here i am named a large figure, 800 billion in total support measures, in addition to how much we actually defer taxes ourselves, then we measure the future fate of what happened next to these enterprises, these measurements, of course, indicate that the business here is quite large, well for example, these enterprises that received support measures are not just business units, they are also 273,000 jobs, we have such a measurement for those enterprises that received such measures. they have an asset, which is precisely due to the fact that they received support measures and did not go into bankruptcy by almost 3 three rubles, these are those assets that remained in a healthy economy, which did not go under the hammer, from bankruptcy proceedings, and most importantly, measuring the effect of the financial support, we saw that these enterprises' revenue is growing, moreover , their consolidated financial result is not

deteriorating, it is increasing, we even saw that their profits have grown a little, they are making profits, there are measurements. this is additional profit, as if we measured them a year ago now, which also us i’m glad that at the same time, we not only lose practically nothing, we have 96% of such debt paid, but we also gain another dimension, these taxpayers paid 280 billion in new taxes, i would like to return to the site or platform that you just talked about, what does it look like, is it some kind of electronic resource? the platform is really a set of solutions, both technological and methodological , and simply even a team of people, this is a dedicated special segment, we have developed

a scoring system, a financial system analysis, which we now have separately in our database, allows you to literally understand at the click of a button what the company is, what financial risks it has, what level of solvency it has, after all, unfortunately, in some cases there is inevitable bankruptcy or a promising business that just needs to be given time, this includes information support, we have leaflets where, using a qr code, we now send information messages to each debtor several times before applying severe penalties, there we refer to the opportunity to contact the site, by the way, we have a partner at the site, a fund for assistance in debt restructuring, this is a non-profit, absolutely free organization that helps us in the event that not only the budget creditor, but also some other creditors, which need to be dealt with at the same time, sit down together at the negotiating table, break down the financial model and see what is beneficial for both the debtor and creditors, here we also already have agreements with the fund, joint projects, a number of debtors where we were creditors

we, large credit organizations, have also come out of the crisis, received installment plans from us, restructuring from banks, and are operating very successfully. i see, well, the last question that i want to ask you today, and business tells you what kind of help it expects from you in the first place, helps you to help, business constantly told us how best to help him, what he needs, he suggested how to better evaluate a financial model, because here, too, the competence of very serious professionals in financial management helped us, and this even led to changes in the regulatory framework, so we worked for six months last year and realized that the standard basis for restructuring the threat of bankruptcy, which was included in the previous regulatory model, did not work , some people received installments there because they did not meet the standards , based on the example of our experience of interacting with business, we proposed a new regulatory model, made it a push-pull model,

you can use simple financial indicators in a simplified manner, there is a comparison of three financial indicators, you can get an installment plan with a clear period for receiving it. which is also directly tied to your capabilities, that is, we simply compare the debt with the financial flow that you have with profit, and if you meet the possibility of quick repayment, that is, we see you have a short-term cash gap, no documents at all, except for the there is no need to submit applications, you can almost automatically receive this installment plan, and a deeper mechanism that works with a predictive model, when we are not just based on those... indicators financial that were or have developed now, which may not correspond to business plans, but we also forecast business development for the coming years, in order to understand how useful this installment plan can be or even possible to implement, it is here in this segment, we just received such a colossal increase

in interest in this installment plan, it was precisely for this reason that the number of installment plans increased eight times, based on the threat of bankruptcy, well, those who received installment plans here did not become bankrupt, and we did not lose a conscientious and healthy segment of the economy, well, thank you very much, konstantin chekmashev, deputy head of the federal tax service of russia, was in touch with us today, we said. about debts and debtors, in the tax project we discuss tax legislation

and tax practice, see you later. investment rating, economics, through a specific story, we can reach people, we often talk about money, in russia there is a clear clear signal. at what point will you say: i did everything in this project, everything i could, i will never say whether i can

russian industry to replace foreign suppliers? it is necessary to mobilize all resources, give me a recipe, in general, here’s how to achieve what you have achieved. it seems to you that you are on top of the world, you got up, dusted yourself off and went. is russia ready to change? in any

structure, a revolution occurs. the introduction of modern technologies to ensure the defense and security of the country was discussed today at a meeting of the security council; vladimir putin held it via videoconference. let's talk today about the introduction of modern technologies for ensuring the defense and security of the state, our speaker is chernyshenko, dmitry nikolaevich, please invite him, and then, of course, we will exchange