cheaper than bank fees. by the way, on the ministry of finance portal moifinansy.rf there is a profitability calculator; you can indicate how much you plan to invest, for how many years, and get an income forecast? and further away, how much further? 15 years. there is a flip side, there is a business that receives this money. for example, there are infrastructure bonds. why is this an important tool for business and for regions? business is looking for long-term money. banks provide short and medium-term loans. but for... such a serious investment, you need money, well, 5, 10 years, we are creating not only for investors, not only for people, and a good tool, but an opportunity for a business to have good financial resources for its development, which is important for passengers, so that the tram is modern, environmentally friendly and comfortable, runs quickly with... minimal

intervals, in order to solve all these problems in the literal sense, switch to new flights, issued special green bonds with the help of attracted to the development of urban infrastructure, including long-term money from non -state pension funds, he is traveling is it faster or is smart technology still kicking in, we have fully automated traffic light switching, that is, you have agreed with the traffic lights, you can say so... and we have the opportunity to synchronize the schedule of our tram with the metro schedule, you can see each route on the map, by the way, you can even see our tram, which we are currently traveling on. you can pay for the trip directly in the application, very soon, and using biometrics, just by entering the car. during rush hours you don’t have to chase the tram, they run according to your height demand every 2 minutes, although back in 2016 public transport in this area looked like this, since then... they built a modern

depot of 38 km of tracks and agreed on the production of new trams, why did they decide to raise money with the help of bonds, and not with the help of a bank loan, for example, in the sixteenth year the rates were from 16 to 18% per annum, we managed to create a flexible instrument in terms of the length of raising money, we issued bonds for 15 years, and if inflation plus some other percentage, how much you received? 9 10 if you look at the depth of the attraction period of 15 years, then this turns out to be definitely more profitable for business. in january , another tool for long-term savings was launched, an individual investment account of the third type or simpler and of 3 for more advanced investors. how is it different from previous versions? more flexible conditions, for example, you can open not one, but up to three accounts. there is no longer a limit on the amount you can deposit. benefits are combined, that is. you can

get a tax deduction from monthly contributions, and after closing the account from investment income, if special life circumstances arise, such as the need to pay for expensive treatment, the money is returned without loss of benefits, but there are also nuances, for example, restrictions on the maximum deduction amount, and you can only put russian securities in your portfolio. there is also 3, how it differs from the first, from the second, which we have taken into account and are improving. this is more of an active investment in the financial market, you will already have a portfolio of stocks, bonds, you will become an active participant in the financial market about yes, this is great, due to more preferential conditions for entering this program, investments in iis-3 will be deducted from the general tax base, if you have invested for a long time for 5 years or more, then your income is not taxed on income. great,

a proposal is being prepared to guarantee investments in shares, and how can this work, guaranteeing both shares, bonds, as we also thought a lot about this, we agreed that participants in the financial market in the form of brokers will form a compensation pound, that is, there will be insurance fund, in case in the event of an insured event, the state will pay the necessary money, the amount guaranteed can be paid from the same positions as for deposits in the bank, that is: 1,400 rubles. russian companies are more actively entering ipos on the moscow exchange, and we are not talking about large corporations; for example, in 2022, shares were placed by a company that develops scooter rental in the city, and last year, a center that has been engaged in genetic research for 11 years. the first company we floated in 2009 was certainly a success. itself

ipo, our financial performance and revenue increased significantly, we even listed another subsidiary, but the company’s value did not react, since biotech is not in focus. was an investor, this is almost 11 years, the company has changed radically, but it was also worth it and investors did not see it, a new placement is already on the moscow exchange in 2023, the third in a row for the group of companies, as a result, private investors lined up , attracted by the center of genetics and reproductive medicine products will help enter new markets, including the middle east east will go towards the creation of drugs for the treatment of orphan diseases. a new force has appeared. this is a large number of private investors who choose not only the investment attractiveness of a project, but also projects in which they believe in areas that are of interest. today, non- state pension funds are actively investing in infrastructure bonds. a reliable tool helps to find long-term

money to improve the living conditions of people across the country. such bonds are included in the infrastructure menu. this is strategic initiative that meets goals. project housing and urban environment. in 2021 , we made two issues worth 20 billion rubles. last year, in this way, it was possible to attract approximately twice as much funds for construction. infrastructure is the engine of progress, it changes the quality of life of people and creates an environment for business, but it usually sinks slowly. this is still a new and unusual way for many to attract funding for the construction of utilities for schools, kindergartens and hospitals. infrastructure bonds, what does this instrument provide? business? previously, we built a house first, and then we brought roads to it, networks to it, and it was very expensive for us, now such a tool has appeared, in literally six months we built the entire frame

of roads, the entire frame of engineering networks, built gas boiler house and completely assembled such a large microdistrict from the point of view of preparation, it turns out how much time you save, about 8 months... the president of a group of construction companies, which was the first in the country to start working with the help of infrastructure bonds. now they are building a new residential area, with a kindergarten, school, hospital, all amenities, and small businesses have also come here. we often go to cafes, take armor with us, or take cheesecakes. you have no idea how i dream about cheesecakes. we met ilya and elizaveta malshakov with their recently born son leonid in a cafe on the first floor. housing here was taken out on a mortgage with government support, get your own housing, move out with a rented apartment, saving money, saving money, we got it much more profitable than renting a house, yes, that is, a mortgage is more profitable than twice it’s twice as profitable to own your own

home than to rent, and the opportunity to buy renovated apartments, that is, you can include renovations in the mortgage, it was convenient. for buyers, the benefits are obvious: a large number of housing units are currently offered for sale, which means the price is lower, and for you, as far as the money you attract is reasonable, we receive loans at 3.5% for infrastructure bonds. if we go into banking history, it is significantly more expensive, so for this difference we can issue better quality residential buildings, so you have 3.5%, and if you went to the bank, you would take it, today the key rate is 16, that is, you can imagine what a colossal burden is on the developer and he begins to build before... in a slightly different way format, in any business, the most important insurance, especially when it comes to finances, for example, in the long-term savings program, a return of 2,800 thousand rubles is guaranteed, no matter what happens, this money is

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strelka is a place where two rivers flow, the volga and kotorosl, we are in yaroslavl, the pearl of the golden ring. the yaroslavl region, taking into account its historical heritage, diversity of natural landscapes and proximity to moscow, is one of the leaders in attracting tourists. at the same time, the region has colossal industrial capacity. potentially, innovative manufacturing industries, as well as the pharmaceutical cluster, play an important role. we’ll tell you right now how the yaroslavl region is developing, introducing environmental, social and corporate management standards. the region's economy is growing, infrastructure is being updated, and there is support for social programs and the industrial sector. you said that here

in the region, no matter what project you come up with, it will be a success. it is so because it is the capital of the golden ring. why the capital, because four of the nine cities of the golden ring are located here in the yaroslavl region, these are yaroslavl, uglich, rostov the great and pereslav zalevsky, the number of overnight tourists has doubled, now from 1,400 in 2 years it has reached almost 3 million people, thanks to this the tourism industry is also seriously developing in the yaroslavl region, because it includes small businesses, souvenirs, restaurants, hotels, recreational complexes and much, much more. the yaroslavl region ranks seventh in the green ranking of regions, fourteenth in terms of coverage preschool education. 89% of children aged 1 to 6 years attend kindergartens, sections and clubs, even before school. fifth place in the ranking for achieving the un sustainable development goals. prescription for pharmacists. let's start with

the erpharm plant, the company produces drugs that fight cancer cells using a new formula. fresh air. let's see how the leader in environmental engineering condor eco works, what kind of equipment the company produces and how efficient it is. access code to the future, we'll tell you how the education system is changing using the example of school 21. let's finish it off beautifully, we'll stop by koprino bay and the village of vyadskoye, and find out how tourism is developing. the yaroslavl region is one of the main russian centers for the development of the pharmaceutical industry. the largest company airfarm in the region, it has several. production sites. the plant in yaroslavl, where we are located, started operating in 2013. 850 million units of products are produced here annually. plant of finished dosage forms and biotechnological substances, one of the few places in russia where production is established monocolonal antibodies. these are special molecules that provide

targeted cancer treatment. they are able to attach to antigens on the surface of malignant cells and activate antigens. tumor immunity, they are quite difficult to produce, for this we have to use microorganisms that synthesize the drug. we work with living organisms, living organisms that we take care of during the entire intermediate production time, we feed them, we monitor them and transfer them from container to container to increase their mass. erfarm was included in the vsg ranking, which annually compiles national ratings. the agency did not become the only representative of the pharmaceutical industry among 90 enterprises. from the point of view of production processes, first of all, we pay great attention to environmental protection , namely working with emissions and waste, developing an energy efficiency program and, in principle, lean production. the plant in

yaroslavl is also an all-russian center of competence. airfarm is being prepared at its base new generation. professionals. the company cooperates with leading educational institutions of the country. the pharmaceutical industry is quite developed in the region. there is also a special center where new drugs are developed. the center for the transfer of pharmaceutical technologies operates on the basis of the yaroslavl state pedagogical university named after ushinsky, located in the novoselki industrial park. the area of ​​the unique laboratory complex exceeds 8,500 m2. to develop new dosage forms and drugs for treatment, the center has created 14 chemical and eight analytical laboratories, a site for the development of technologies for the production of solid dosage forms, a lecture hall and conference rooms. on the one hand, our partners, pharmaceutical companies, constantly come to us with some new requests, with new

ideas, with new technical specifications, on the other hand, our researchers come up with what... these are their own ideas that are embodied in new products in new pharmaceutical solutions. a significant share of the regional economy comes from mechanical engineering and chemical industry, environmental safety is a priority for companies; in order to reduce their impact on the environment, enterprises install special equipment. condor is an eco-leader in environmental engineering in the yaroslavl region. the company develops and produces systems. and gas purifiers for industrial companies. since 2020, production volume has tripled, with 98% of the equipment being our russian solutions. among the products, egav electric precipitators are needed to clean process air gases from dust. if there are a number of advantages to comparing them with previous developments. reducing emissions by up to 10 times

metal consumption by at least 20%. electricity consumption up to five times. in addition, contrek produces bag filters. the sleeves trap the smallest dust particles. they settle and are then dumped into a storage bunker, from where they are removed through the waste system. correlation, if we speak figuratively, then all our supplied equipment captures about several trainloads of dust per day. over the past 10 years, the company has produced more than 100 such bag electrostatic precipitators, including winning a tender for the supply of four for a 600 mw power unit under construction in vietnam. the volume of purified gases per electrostatic precipitator alone was.

there are still no analogues in russia. continuing the theme of ecology, the region pays special attention to the cleaning of water bodies. federal projects on clean water and the improvement of the volga are being implemented in the region. if we talk about private sewerage, this has already been done in yuglich, it was handed over, the president received it. and now we are doing rostov the great in yaroslavl, by the way, a huge job in terms of clean work, we did 3 billion rubles, we completed it last year, we now have a completely different level of honest work. the education system is also reaching a completely different level. school 21 in yaroslavl officially opened in february of this year. in-demand it specialists are trained here. anyone over 18 years of age can fill out an application for training. moreover, admission does not depend on programming skills or experience. the yaroslavl campus has become part of sber's innovative educational project; there are four floors, each the cluster has its own name, they

were chosen by residents of the region by voting, free training lasts from one and a half to 3 years, approximately 500 specialists will be accepted per year. participants can build their own schedule of classes, the main principle is peer-to-peer, individual or collective work on projects without mentors, lectures, assessments. our young people have hard skills, so -called, that is , programming skills, many, yes, but it’s difficult for them to exchange experience in the real world with their counterparts, and the older generation is the opposite, they have no skills, but they know how to communicate, obtain the necessary information, and in this collaboration of different ages this new unique synergy, so to speak, for training is born, more than 2000 applications were received for the first training, only four out of ten people taking part in the qualifying round.. . residents of the yaroslavl region. in the future, they want to expand the campus and build a dormitory for students, with plans to create a real digital hub. this is not the only step in education

that we are taking that is so serious. what there is also? we recently, literally, again, a month and a half or two ago, won an advanced engineering school at the federal level, this is a project initiated by our president putin, and we won in rybensk, already argata, this is the rybensk state aviation technical university. not the first time, but the second time we managed to win, and we will make a serious cluster. another driver of the region’s development is the tourism industry. last year, 9 million people visited the yaroslavl region, an increase of 16%. he takes into account both those who stayed overnight and those who came for a day excursion. the yaroslavl vzmurye resort receives up to 1000 visitors annually, in october 2020. the third four-star hotel koprina plaza opened here, it can accommodate up to 250 people, new opportunities are a response to growing demand. the hotel building is part of the

koprino bay park hotel, located on the shore of the rybensky reservoir in the yaroslavl seaside resort. the parkhotel has already built 42 cottages, which have everything you need: bedrooms, kitchen, living room with fireplace and tv. on the territory there is a spa complex with a swimming pool and several types of saunas. gym, kids club, restaurants. we try to disturb the trees as little as possible. moreover, we even play around with the fact that if trees are somewhere in the center of our composition and somewhere else, then we try to build around it, and not instead of it. water purity is very important to us. well, for example, we started our project by building a pressure sewer for several kilometers and diverting water from the volga altogether. part of the costs the construction of the new complex was financed by sberbank. the project is of great importance for the development of domestic tourism. in 2027, several more

hotels and a water entertainment center will appear here. sky, more than 50 architectural monuments are registered here. in 2015 , the association of the most beautiful villages in russia awarded vyadskoye the status of the most beautiful rural settlement in the country. the association's headquarters is located here, and next door is the historical office of sberbank, which opened in march in an old merchant mansion. the interior was recreated from photographs of savings banks of the late 19th and early 20th centuries. documents that. you are behind, these

are authentic documents from the museum or the village of vyatskoye or the yaroslavl branch of sberbank in that hall, in the second hall we also have authentic exhibits, right down to furniture, up to adding machines, the department has become a kind of museum of banking, here you can see an ancient suit bank employee, stationery , passbooks, banknotes and other exhibits. yaroslavl is developing region introducing environmental, social and corporate management standards, and we are moving on next time we will tell about the penza region.

one of the main tasks is to increase the output of russian goods that are made on our equipment and using our technologies. vladimir putin spoke about this at the congress of the russian union of industrialists and entrepreneurs. maria slobodyanskaya found out why bringing in migrants will not help and whether runaway foreign businesses should be allowed back.