日前，欧洲中央银行（下称“欧央行”）在报告中称，如果一国央行不发行数字货币，其金融体系和货币自主权可能面临威胁。创建数字欧元(1.2109, -0.0018, -0.15%)可以让支付或储蓄变得更容易，从而提高欧元的国际地位。今年夏天，欧央行将正式作出决定，是否要推行数字欧元的试验。
清华大学经济管理学院金融系主任、中国金融研究中心主任何平在接受第一财经记者采访时表示，货币数字化转型重塑了金融体系。如果一国不发行数字货币，而让其他国家抢先，则有可能威胁该国金融体系稳定。
专家：货币数字化转型重塑金融体系
欧央行称，如果一国央行不发行数字货币，可能会产生两大后果：失去对金融体系的控制权、威胁金融体系稳定。
在失去对金融体系控制权方面，欧央行表示，在支付领域，企业和消费者最终可能会依赖少数占主导地位的支付服务提供商，如外国科技巨头。如果支付等业务从银行体系转移到私人运营的数字领域，央行将难以监管，而无人监管的私营网络可能会成为欺诈泛滥和侵犯隐私的灰色地带。
在威胁金融体系稳定方面，欧央行表示，如果一国中央银行不提供数字货币，中央银行制定货币政策的职责和最后贷款人的地位都会受到影响。
何平认为，之所以欧央行强调上述两点原因，是因为货币数字化转型重塑了金融体系。过去，央行利用银行体系来实施货币政策。现在，如果企业和消费者使用数字货币，则可以越过银行，直接使用互联网手段实现支付和跨境资本流动。
何平表示，全球各地的央行都在考虑发行数字货币。如果一国央行不发行数字货币，其他国家发行的数字货币将有可能逐渐渗透本国的支付体系，那么该国央行将失去对本国货币体系的控制。
何平向第一财经记者解释道：“如果欧央行不发行数字欧元，而其他国家发行了数字货币。在欧洲的消费者可以在手机APP上使用这一数字货币以实现支付功能。这只需有人愿意接收，有稳定的兑换机制即可。虽然可能涉及能否兑换成欧元的问题，但如果能大范围流通，是否兑换成欧元可能也不重要。而这一数字货币市场一旦形成，会影响欧元在支付体系中的地位。”
欧央行称，发行数字欧元，有助于规避被其他数字货币挤兑的风险，以此维护支付系统的自主性。不过，需要警惕的是，如果一旦向外国人开放数字欧元，外国人也可能利用数字欧元洗钱，需要设定每个消费者可以拥有数字货币的上限，或强制披露。
报告：欧元区经济的健康和规模更为重要
欧央行称，有鉴于数字货币安全性、低交易成本和捆绑效应等特性，发行数字欧元将促进欧元在国际上的地位。今年1月，欧盟委员会发布草案，称将加强欧元在国际结算中的作用，并寻求削弱美元的国际主导地位。
环球银行金融电信协会（SWIFT）的最新数据显示，今年4月，在主要货币的支付金额排名中，美元、欧元分居前两名，各占全球支付份额的39.77%和36.32%。不过，另据国际货币基金组织（IMF）的数据，欧元去年在全球外汇储备中所占比例略低于22%，远低于美元的59%。
那么，欧央行推进数字货币进程，能否加速欧元国际化进程？
何平认为，这涉及两个问题：其一，是否挑战现有的国际支付体系；其二，是否会影响到美元霸权。
目前，国际支付体系是中心化的，且依赖于金融机构。全球跨境支付、汇款资金的清结算，主要依靠SWIFT系统。几乎所有的金融机构都接入SWIFT平台，通过该平台实现与其他国家银行的金融交易。
何平称，如果全球各国发行数字货币，将有可能使得各国在国际支付体系中互相渗透、互相竞争和博弈。这将带来国际支付体系去中心化，可能对稳定性构成威胁。一般而言，无序竞争往往是有害的。
何平进一步表示，其次，各国发行数字货币，会加速该国货币的国际化。同时，各国也希望寻求在国际货币体系中的话语权和主导权。但是，从目前的表态可以看出，欧央行并不想挑战美元在国际支付体系的垄断地位。
欧央行的研究人员在报告中称：“促进欧元的国际地位并不是发行数字欧元的主要动机，是否允许在跨境支付中使用数字欧元的决定也有待做出。数字欧元可能增加欧元的吸引力，不过欧元区经济的健康和规模更为重要。”
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Regulated United Europe e costantemente impegnata a migliorare le proprie prestazioni e il livello dei servizi forniti, sulla base del feedback costante dei clienti e dell’acquisizione delle esigenze del mercato per i servizi legali in vari paesi europei. Anche il tempo di risposta alle richieste/e-mail dei clienti e ridotto al minimo.
Per quanto riguarda i prezzi, Regulated United Europe sta cercando di adattarsi alle esigenze dei clienti fornendo un prezzo fisso per la maggior parte dei servizi legali forniti, nonostante il fatto che nella maggior parte Vengono applicate principalmente le spese legali orarie nei paesi europei.
Forniamo consulenza legale e supporto quotidiano ai nostri clienti in ogni fase della realizzazione del loro progetto. Soluzioni complesse sono sviluppate da un team di avvocati esperti individualmente per ciascun cliente.
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Number of the originator’s account maintained with the financial institution, from which the virtual assets are transferred, or a unique reference number assigned to the virtual asset transfer in the absence of such an account
Marketing Strategy: Develop and implement a marketing strategy to attract and retain customers.
Access to a growing market: The licence allows companies to operate legally in El Salvador, providing access to new markets and consumers.
If competent authorities determine that a company violated AML/CFT laws and sanctions have been imposed
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Organisational structure – a description of how the company is structured and organised, including a corporate structure chart and a description of relevant outsourcing arrangements, if any (the FCA may ask for a copy of the outsourcing contract)
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The process of obtaining a cryptocurrency licence in El Salvador requires careful preparation and compliance with all regulatory requirements:
In order to open a bank account in Greece, an individual will need to provide a number of documents:
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Life is Good — почему произошёл технический СКАМ проекта
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Компания «Life Is Good» позиционировала себя как финансово-консалтинговый проект. Она привлекала денежные активы от клиентов, формируя из них инвестиционные вклады, которые приносят пассивный доход от 20% годовых в валюте.
Официальный сайт компании — lifeisgood.company. Ценной информации на нем очень мало. В разделе «О компании» вместо рассказа о том, чем занимается компания, — общие фразы про финансовую независимость и благополучие клиентов, а также шесть рекламных роликов с известными людьми.
Данная компания создана в 2014 году. Зарегистрирована в государстве-офшоре Белиз, что находится в Центральной Америке. Соответственно, выданный там сертификат не имеет на территории России никакой юридической силы. Лицензия ЦБ РФ отсутствует.
Руководитель компании — Роман Василенко, обладатель многочисленных фотошопных регалий, количеству которых позавидовал бы даже Александр Невский (уот так уот), ветеран МЛМ движения в РФ, ну практически святой человек.
С 1990 года по 1999 год служил в Вооруженных силах РФ.
После службы работал в инвестиционной компании Save-Invest (Si), зарегистрированной в Швейцарии, которая обещала инвестиционные продукты со сверх доходностью. В 2000х годах газета Коммерсантъ выпустила статью о расследовании сотрудников ФСБ на предмет ведения мошеннической деятельности в РФ.
В 2012 году руководитель Оренбургского управления Татьяна Горынина, обманувшая своих клиентов на 50 млн. получила 6 лет тюрьмы за мошенничество.
Далее работал в инвестиционной компании “Life Division”, которая до сих пор продолжает свою работу.
Также Роман активно ведёт блог в инстаграмме и на ютуб, темы всё те же — успешный успех, освободись от рабства, нужно только захотеть и т.д.
Участники делали ежемесячные взносы в счет стоимости будущей квартиры. Значительная часть средств шла организаторам компании, а все остальное делились между вышестоящими пайщиками.
Наступила стадия «критического дна», т.е. взносов от новичков поступало меньше, чем необходимо выплачивать более «старым» клиентам, основатели компании приостановили свою деятельность, а суммы, которые многие годы вносили пайщики, им просто не вернули.
Life Is Good позиционировала себя как европейская компания, но привлекала в основном Россиян. Кстати, официальный сайт Life is Good переведен сразу на 9 языков. Непонятно для чего это сделано, ведь компания работает только в России, Казахстане и Киргизии. Наверное, поэтому над переводом на английский язык здесь не стали заморачиваться. С первого взгляда видны грубые грамматические ошибки.
Компания работала в сотрудничестве с еще тремя: Best Way, Hermes Management и Vista.
Гарантий сохранности денег не давала ни «Лайф-из-гуд», ни «Гермес-менеджмент». Но при этом «Лайф-из-гуд» все же предлагала страхование вложенных денег по оригинальной схеме.
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Drought-hit Danube River reveals scuttled German World War II ships
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The wrecks of explosives-laden Nazi ships sunk in the Danube River during World War II have emerged near Serbia’s river port town of Prahovo, after a drought in July and August that saw the river’s water level drop.
Four vessels dating from before 1950 have also come to light in Hungary’s Danube-Drava National Park near Mohacs, where the Danube’s water level stood at only 1.5 meters (4.9 feet) on Tuesday, the lingering effect of severe heat waves and persistent drought in July and August.
The vessels revealed in Prahovo were among hundreds scuttled along the Danube by Nazi Germany’s Black Sea fleet in 1944 as they retreated from advancing Soviet forces, destroying the ships themselves. The wrecks can hamper river traffic during low water levels.
Strewn across the riverbed, some of the ships still have turrets, command bridges, broken masts and twisted hulls, while others lie mostly submerged under sandbanks.
Endre Sztellik, a guard at the Danube-Drava national park, said of one of the ships, “we still don’t know what this is exactly. What is visible and an unfortunate fact is that the wreck is diminishing as people are interested in it and parts of it are going missing.”
The Danube stood at 1.17 meters (3.8 feet) in Budapest on Tuesday, which compares with an all-time record low of around 0.4 meters (1.3 feet) registered in October 2018. During floods, the Danube rises well above 6 meters (19.7 feet).
“Eastern Europe is experiencing critical drought conditions that are affecting crops and vegetation,” the European climate service Copernicus said on its website in its latest drought report, published earlier this month.
Remember when Lady Gaga ‘bled’ onstage during her shocking performance at the 2009 VMAs?
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Singing about the perils of fame, being dragged out from beneath a fallen chandelier then bleeding to death in front of a roomful of celebrities: Lady Gaga was not shy about making her debut at the MTV Video Music Awards.
The year was 2009 — many will remember it as the year rapper Ye (formerly Kanye West) stage-crashed 19-year-old Taylor Swift and suggested her award for Best Female Video should have gone to Beyonce instead. But never one to be overshadowed, Lady Gaga, then 23, made some pop culture history of her own that night.
Her rendition of “Paparazzi” — lamenting both unrequited love and the sinister effects of hounding tabloids — has gone down in the mists of Gaga legend; not least because a lack of high-quality footage means fans must resort to watching grainy screen-recorded versions circulated on social media.
Over the limited number of pixels, Gaga can be seen at the start of the performance in an all-white ensemble: a bejeweled, asymmetric lace bodysuit and matching cape, thigh-high boots, a feathered Keko Hainswheeler headpiece and strings of glinting pearls. As she staggered back from her piano at the song’s crescendo, however, an audible gasp swept the room as thick blood suddenly appeared to be pouring from her abdomen.
“I’m your biggest fan, I’ll follow you until you love me,” Gaga wailed desperately, her once-pristine outfit now daubed in scarlet. She ended the number suspended above the stage, ‘dead,’ as more blood dripped from her eyes.
“(It) gives me chills every time I watch it,” Olivia Rodrigo told MTV in 2021. “I think Lady Gaga is the best performer of our generation.” The “Drivers License” singer appeared to take notes. At this year’s Grammy Awards, she began to ‘bleed’ from clenched fists while performing her hit “vampire,” spreading fake blood across her arms and neck as the song progressed.
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“We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
“You saw how I touched the patients because that's my job as a nurse. So, we're asking the government to help us by first giving us the vaccines.”
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At the community clinic, Dr Pacifique Karanzo appeared fatigued and downbeat having been rushed off his feet all morning.
Although he wore a face shield, I could see the sweat running down his face. He said he was saddened to see patients sharing beds.
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At a treatment centre in South Kivu province that the BBC visited in the epicentre of the outbreak, they say more patients are arriving every day - especially babies - and there is a shortage of essential equipment.
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Mpox - formerly known as monkeypox - is a highly contagious disease and has killed at least 635 people in DR Congo this year.
Even though 200,000 vaccines, donated by the European Commission, were flown into the capital, Kinshasa, last week, they are yet to be transported across this vast country - and it could be several weeks before they reach South Kivu.
“We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
“You saw how I touched the patients because that's my job as a nurse. So, we're asking the government to help us by first giving us the vaccines.”
The reason it will take time to transport the vaccines is that they need to be stored at a precise temperature - below freezing - to maintain their potency, plus they need to be sent to rural areas of South Kivu, like Kamituga, Kavumu and Lwiro, where the outbreak is rife.
The lack of infrastructure and bad roads mean that helicopters could possibly be used to drop some of the vaccines, which will further drive up costs in a country that is already struggling financially.
At the community clinic, Dr Pacifique Karanzo appeared fatigued and downbeat having been rushed off his feet all morning.
Although he wore a face shield, I could see the sweat running down his face. He said he was saddened to see patients sharing beds.
“You will even see that the patients are sleeping on the floor,” he told me, clearly exasperated.
“The only support we have already had is a little medicine for the patients and water. As far as other challenges are concerned, there's still no staff motivation.”
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Medical staff on the front line of the battle against mpox in eastern Democratic Republic of Congo have told the BBC they are desperate for vaccines to arrive so they can stem the rate of new infections.
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At a treatment centre in South Kivu province that the BBC visited in the epicentre of the outbreak, they say more patients are arriving every day - especially babies - and there is a shortage of essential equipment.
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Mpox - formerly known as monkeypox - is a highly contagious disease and has killed at least 635 people in DR Congo this year.
Even though 200,000 vaccines, donated by the European Commission, were flown into the capital, Kinshasa, last week, they are yet to be transported across this vast country - and it could be several weeks before they reach South Kivu.
“We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
“You saw how I touched the patients because that's my job as a nurse. So, we're asking the government to help us by first giving us the vaccines.”
The reason it will take time to transport the vaccines is that they need to be stored at a precise temperature - below freezing - to maintain their potency, plus they need to be sent to rural areas of South Kivu, like Kamituga, Kavumu and Lwiro, where the outbreak is rife.
The lack of infrastructure and bad roads mean that helicopters could possibly be used to drop some of the vaccines, which will further drive up costs in a country that is already struggling financially.
At the community clinic, Dr Pacifique Karanzo appeared fatigued and downbeat having been rushed off his feet all morning.
Although he wore a face shield, I could see the sweat running down his face. He said he was saddened to see patients sharing beds.
“You will even see that the patients are sleeping on the floor,” he told me, clearly exasperated.
“The only support we have already had is a little medicine for the patients and water. As far as other challenges are concerned, there's still no staff motivation.”
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Scientists who discovered mammals can breathe through their anuses receive Ig Nobel prize
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The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.
We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”
In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.
American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.
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The world’s best pizza for 2024 isn’t in Naples – or even in Italy. Here’s where it is …
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Many New Yorkers will gladly tell anyone who’ll listen – and even those who won’t – about how they have the best pizza. And now they’ve got some mouth-watering new back-up for their long-standing culinary claims.
This week, the Italy-based 50 Top Pizza Awards came out with its 2024 worldwide list, and a Lower East Side restaurant came out on top.
Una Pizza Napoletana, opened by pizza maestro Anthony Mangieri in March 2022, not only beat out US competitors but also global ones. That includes pizzerias in Naples, Italy, the holy land for pizza aficionados and foodies in general.
“It’s inspiring to be recognized for this 30 years into my career, especially in Naples where pizza originated,” Mangieri said in an email to CNN Travel on Thursday.
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Adding to their bragging rights, New Yorkers saw three other pizzerias make the 2024 list, which included 101 restaurants in total (despite the “50” in the name of the awards). The rankings for the other New York pizzerias were Ribalta at No. 19, Don Antonio at No. 30 and L’industrie Pizzeria at No. 80.
Italy still managed to dominate the overall list with 41 eateries while the United States got a total of 15 places recognized. And Naples managed to best New York with five entries on the list, including a tie for the No. 2 spot with Diego Vigtaliano Pizzeria.
Showing how truly global the awards are, nations not exactly known for their pizza scenes –South Korea, Bolivia and India, to name three – were represented on the list.
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Scientists have solved the mystery of a 650-foot mega-tsunami that made the Earth vibrate for 9 days
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It started with a melting glacier that set off a huge landslide, which triggered a 650-foot high mega-tsunami in Greenland last September. Then came something inexplicable: a mysterious vibration that shook the planet for nine days.
Over the past year, dozens of scientists across the world have been trying to figure out what this signal was.
Now they have an answer, according to a new study in the journal Science, and it provides yet another warning that the Arctic is entering “uncharted waters” as humans push global temperatures ever upwards.
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Some seismologists thought their instruments were broken when they started picking up vibrations through the ground back in September, said Stephen Hicks, a study co-author and a seismologist at University College London.
It wasn’t the rich orchestra of high pitches and rumbles you might expect with an earthquake, but more of a monotonous hum, he told CNN. Earthquake signals tend to last for minutes; this one lasted for nine days.
He was baffled, it was “completely unprecedented,” he said.
Seismologists traced the signal to eastern Greenland, but couldn’t pin down a specific location. So they contacted colleagues in Denmark, who had received reports of a landslide-triggered tsunami in a remote part of the region called Dickson Fjord.
The result was a nearly year-long collaboration between 68 scientists across 15 countries, who combed through seismic, satellite and on-the-ground data, as well as simulations of tsunami waves to solve the puzzle.
Scientists who discovered mammals can breathe through their anuses receive Ig Nobel prize
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The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.
We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”
In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.
American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.
Hyundai and GM to work together on developing new cars
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Hyundai and General Motors (GM) have agreed to look for ways to work together on developing new vehicles, supply chains and technologies in an effort to cut costs and move more quickly.
Global carmakers are under intense pressure to come up with new electric vehicle (EV) and battery technology because they face vehicle emissions regulations around the world. Those research and development efforts could cost tens of billions of dollars.
They’re also facing an onslaught of potential competition from Chinese automakers, particularly EV producers, trying to export their lower-cost models overseas in order to escape a huge oversupply problem at home.
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South Korea’s Hyundai and America’s GM (GM) said on Thursday they would collaborate on joint product development, manufacturing and future clean energy technologies. They plan to work together on internal combustion, clean-energy, electric and hydrogen vehicles.
The non-binding framework agreement was signed by Hyundai Motor Executive Chair Euisun Chung and GM Chair and CEO Mary Barra.
“Our goal is to unlock the scale and creativity of both companies to deliver even more competitive vehicles to customers faster and more efficiently,” Barra said in the statement.
Including its affiliate Kia, Hyundai Motor is the world’s third-largest automaker by sales, according to Reuters, while GM is currently America’s largest carmaker, having retaken that title from Toyota (TM) in 2022.
“This partnership will enable Hyundai Motor and GM to evaluate opportunities to enhance competitiveness in key markets and vehicle segments, as well as drive cost efficiencies and provide stronger customer value,” Chung said in the statement.
Carmakers are increasingly sealing partnerships as a way of becoming more competitive in a cut-throat industry driven by price wars.
Last year, Nissan and Renault finalized the terms of their revamped alliance, which will focus on developing EVs. GM and Honda (HMC), along with Cruise — GM’s autonomous driving subsidiary — have agreed to create a driverless ride-hailing company in Japan.
Scientists have solved the mystery of a 650-foot mega-tsunami that made the Earth vibrate for 9 days
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It started with a melting glacier that set off a huge landslide, which triggered a 650-foot high mega-tsunami in Greenland last September. Then came something inexplicable: a mysterious vibration that shook the planet for nine days.
Over the past year, dozens of scientists across the world have been trying to figure out what this signal was.
Now they have an answer, according to a new study in the journal Science, and it provides yet another warning that the Arctic is entering “uncharted waters” as humans push global temperatures ever upwards.
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Some seismologists thought their instruments were broken when they started picking up vibrations through the ground back in September, said Stephen Hicks, a study co-author and a seismologist at University College London.
It wasn’t the rich orchestra of high pitches and rumbles you might expect with an earthquake, but more of a monotonous hum, he told CNN. Earthquake signals tend to last for minutes; this one lasted for nine days.
He was baffled, it was “completely unprecedented,” he said.
Seismologists traced the signal to eastern Greenland, but couldn’t pin down a specific location. So they contacted colleagues in Denmark, who had received reports of a landslide-triggered tsunami in a remote part of the region called Dickson Fjord.
The result was a nearly year-long collaboration between 68 scientists across 15 countries, who combed through seismic, satellite and on-the-ground data, as well as simulations of tsunami waves to solve the puzzle.
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Набиуллина выполняет заказ мафии
Должностные лица ЦБ управляются тайными кукловодами
Почти три года назад кооператив «Бест Вей» был включен в предупредительный список ЦБ – с этого начались его злоключения. Становится все более очевидным, что это заказная акция, в которой Центробанк действовал в интересах банковской мафии, принимая решения, которые никто даже не потрудился подтвердить документами и фактами.
Осенью 2021 года потребительский кооператив «Бест Вей» – крупнейший российский кооператив, дававший возможность приобретать квартиры по всей России, в котором около 20 тыс. пайщиков, работающий с 2014 года, был включен в Список компаний с выявленными признаками нелегальной деятельности на финансовом рынке (предупредительный список) ЦБ – против него был использован относительно новый, только появившийся в 2021 году инструмент регулирования ЦБ на финансовом рынке.
Притом, что примерно за полтора года до этого – в 2019 году – ЦБ в официальном письме по запросу одной из общественных организаций заявлял, что у него нет вопросов к кооперативу – и в силу того, что потребительский кооператив не подведомствен ЦБ, и в силу того, что Банку России ничего не известно о нарушениях, которые требовали бы его вмешательства как мегарегулятора финансового рынка.
Однако в 2021 году все изменилось: включением в предупредительный список ЦБ попытался поставить кооператив вне закона, обрушить его деятельность. С включения в предупредительный список начались злоключения кооператива: блокирование его официальных информационных ресурсов, системы личных кабинетов и платежей, а затем и распространение на него уголовного дела, возбужденного той же осенью 2021 года по заявлением ряда клиентов иностранной компании «Гермес». Кооператив был объявлен аффилированной с «Гермесом» структурой, постановлением руководителя следственной группы ему был присвоен статус гражданского ответчика по уголовному делу.
Липовые основания
Но что лежало в основе включения в предупредительный список? Это стало известно недавно – из двух процессов в Приморском районном суде Санкт-Петербурга: уголовном, по обвинению бывших специалистов маркетинговой компании «Лайф-из-Гуд», сотрудничавшей с «Гермесом», в организации финансовой пирамиды, и гражданском – по иску Прокуратуры Санкт-Петербурга о признании кооператива «Бест Вей» незаконным.
Оказывается, впервые справку о нарушениях в кооперативе подготовил в 2019 году некий центр компетенций Южного главка ЦБ в Краснодаре – который уже ликвидирован, архив этого подразделения также, видимо, ликвидирован: первоисточников решений нет – указывается, что это некие обращения граждан: каких граждан и что отмечается в обращении, не упоминается. При этом краснодарский центр указывал в отчете, что руководствовался методическими рекомендациями МВД РФ «Квалификация и расследование организации деятельности «финансовых пирамид».
Далее Северо-Западный главк ЦБ (прежний руководитель – Надежда Савинская, нынешний руководитель – Ирина Петрова) – который обязан был провести собственную проверку по отношению к организациям в своей зоне ответственности (кооператив зарегистрирован в Санкт-Петербурге), просто переписывает документ из Краснодара – и направляет его в прокуратуру.
Параллельно документ идет «наверх» – и (теперь уже бывший) руководитель Департамента противодействия недобросовестным практикам ЦБ Валерий Лях, который, насколько известно, уехал из России – допросить его в суде не удалось, подмахивает документ о включении кооператива в предупредительный список.
При этом проверка деятельности кооператива не проводилась – никакая: ни выездная, ни камеральная. Документы у кооператива не запрашивались. Почему? А потому, объясняют представители ЦБ, что кооператив не является подведомственной ЦБ организацией и проверка была бы незаконной. То есть признать по выдуманным основаниям организацию недобросовестной и инициировать против нее уголовное дело можно, а проанализировать ее работу на основании подлинных документов нельзя.
Основано на заказе
ЦБ подкрепляет свое решение, во-первых, целыми восемью обращениями граждан – несколько более поздними, чем полумифические краснодарские. Но ни одно из которых не подано членом кооператива.
Граждане интересуются в своих обращениях: кооператив законен? Нет ли к нему вопросов у регулирующих организаций?
Во-вторых, актом осмотра официального сайта кооператива – в нем зафиксированы новости и структура личных кабинетов, больше ничего.
То есть решение, заблокировавшее нормальную деятельность кооператива более чем на два года, приведшее к аресту его счетов, абсолютно ни на чем не основано. Вернее, основано на заказе мафии, стремящейся захватить кооператив и конкурентов, борющихся с кооперативом.
При этом Центробанк рассказывает, что включение в список – это только информирование потенциальных потребителей финансовых услуг о рисках, но сам же себе противоречит, говоря, что именно ЦБ обратился в Роскомнадзор о блокировании информационных ресурсов кооператива, именно он обратился в прокуратуру и органы внутренних дел с предложением возбудить уголовное дело. И именно на основании письма его Северо-Западного главка уголовное дело начало расследоваться в том числе и в отношении кооператива. При этом за несколько лет расследования ни одного криминального эпизода не найдено: деятельность кооператива абсолютно юридически чиста.
Ложь Набиуллиной
По поводу судьбы кооператива «Бест Вей» и других кооперативов депутаты Государственной думы неоднократно обращались к руководству ЦБ, в том числе лично к Эльвире Набиуллиной. Они предлагали разобраться в ситуации, при необходимости ввести дополнительный контроль со стороны ЦБ, который снимет сомнения со стороны ведомства.
Набиуллина в прошлом году публично пообещала на пленарном заседании Думы проработать вопрос кооперативов, совместно с депутатским корпусом выработать компромиссные предложения – но за более чем год ничего не сделано!
Кооперация в России продолжает торпедироваться, а ведь это важнейший для экономического роста в стране сектор – способный аккумулировать миллиарды рублей (на счетах «Бест Вей» – более 4 млрд рублей!) и направить их в развитие экономики. Это важнейшее направление решения жилищного вопроса – альтернатива ипотеке, которая недоступна подавляющему большинству граждан и единственное, чему помогает, – это обогащению банков и мафии, стремящихся прибрать к рукам деньги граждан.
Круговая порука
Атаки центробанкиров на кооператив носят целенаправленный характер. Достоверно известно, что они велась с одобрения первого зампреда ЦБ Владимира Чистюхина – не говоря уже о бывшем и нынешнем руководителях Северо-Западного главка ЦБ Савинской и Петровой, бывшем директоре (упраздненного в прошлом году) Департамента противодействия недобросовестным практикам Валерии Ляхе, а также главе забравшего его функции Департамента небанковского кредитования Илье Кочеткове.
Это не что иное, как круговая порука. В прошлом году к руководителю службы по защите прав потребителей и обеспечению доступности финансовых услуг ЦБ Михаилу Мамуте обратились по поводу очевидного нарушения законодательства – банки отказались исполнить судебное решение о снятии ареста со счетов кооператива (позднее арест был наложен снова). Мамута под мифическими предлогами отказался наказать банки.
Очевидно, что происходит не что иное, как целенаправленное заказное преследование кооператива – в интересах неких сил, волю которых стремится исполнить Центробанк.
Атаки, с одной стороны, в интересах банкиров, стремящихся установить ипотечную монополию и перекрыть кислород кооперации, а с другой – тайных кукловодов, стремящихся захватить более 4 млрд на счетах кооператива.
Атака центробанкиров на кооператив должна быть вскрыта, расследована, виновные должны быть привлечены к ответственности!
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Я давно являюсь пайщиком кооператива «<a href="https://kz-expert.info/analitika/item/189749-chto-za-moguschestvennyy-chelovek-stoit-za-evgeniem-naboychenko">Бест Вей</a>» и всегда был уверен в его прозрачности и честности. Этот кооператив помогал тысячам людей по всей стране решить свои жилищные проблемы, предоставляя доступные схемы покупки квартир. Однако сейчас кооператив столкнулся с серьезными проблемами, которые были созданы искусственно. Правоохранительные органы развязали настоящую информационную войну против нас, пайщиков, и используют лживые обвинения, чтобы очернить кооператив и лишить нас наших средств. Всё это выглядит как спланированная акция с целью уничтожить то, что работало много лет. Я не сомневаюсь, что за этим стоят те, кому невыгодно, чтобы простые люди могли позволить себе жилье. Они хотят забрать наши деньги и разрушить кооператив, который доказал свою эффективность. Но я уверен, что правда на нашей стороне, и мы сможем защитить свои права и вернуть то, что у нас пытаются отобрать.
Arrowheads reveal the presence of a mysterious army in Europe’s oldest battle
<a href=https://www.minkymoon.ru/300624/novosti-vasilenko-roman-poslednie-novosti/>пидар</a>
Today, the lush, green valley surrounding the Tollense River in northeast Germany appears to be a serene place to appreciate nature.
But to archaeologists, the Tollense Valley is considered Europe’s oldest battlefield.
An amateur archaeologist first spotted a bone sticking out of the riverbank in 1996.
A series of ongoing site excavations since 2008 has shown that the thousands of bones and hundreds of weapons preserved by the valley’s undisturbed environment were part of a large-scale battle 3,250 years ago.
The biggest mysteries that researchers aim to uncover are why the battle occurred and who fought in it. These are questions that they are now one step closer to answering.
ozens of bronze and flint arrowheads recovered from the Tollense Valley are revealing details about the able-bodied warriors who fought in the Bronze Age battle.
The research team analyzed and compared the arrowheads, some of which were still embedded in the remains of the fallen. While many of these weapons were locally produced, some bearing different shapes came from a region that now includes modern Bavaria and Moravia.
The outliers’ presence suggests that a southern army clashed with local tribes in the valley, and researchers suspect the conflict began at a key landmark along the river.
Back to the future
Scientists are harnessing the power of artificial intelligence to detect hidden archaeological sites buried below the sand of the sprawling Rub‘ al-Khali desert.
The desert spans 250,000 square miles (650,000 square kilometers) on the Arabian Peninsula, and its name translates to “the Empty Quarter” in English. To unravel the secrets of the desolate terrain, researchers are combining machine learning with a satellite imagery technique that uses radio waves to spot objects that may be concealed beneath surfaces.
The technology will be tested in October when excavations assess whether predicted structures are present at the Saruq Al Hadid complex in Dubai, United Arab Emirates.
Separately, an AI-assisted analysis uncovered a trove of ancient symbols in Peru’s Nazca Desert, nearly doubling the number of known geoglyphs, or stone and gravel arranged into giant shapes that depict animals, humans and geometric designs.
Судебная пожарно-техническая экспертизаСудебная пожарно-техническая экспертиза для установления причин возгорания пожара промышленных объектов, жилых домов, квартир, автомобильного транспорта (легкового и грузового) и т.д.
Судебное экспертное электротехническое исследованиеСудебное экспертное исследование систем электроснабжения на исследуемых объектах на соответствие требованиям монтажа и эксплуатации согласно с Правилам устройства электроустановок в Республике Казахстан.
Судебное экспертиза обстоятельств пожараСудебное экспертное исследование объектов для установления механизма и причин возникновения пожара.
Судебное экспертиза веществ и материаловСудебная экспертиза веществ и материалов на предмет определения горючести материалов и веществ и возможности их воспламенения и самовозгорания.
Судебное экспертное исследование нефтепродуктов и горюче-смазочных материаловСудебно - экспертное исследование нефтепродуктов и горюче-смазочных материалов на предмет их наличия на месте возникновения пожара.
Решение судопроизводства по гражданским и уголовным делам, органов военной прокуратуры часто принимается на основании выводов судебной пожарно-технической экспертизы.
Моя экспертная помощь поможет вам определить места возникновения первоначального горения (очага, направления распространения горения, особенностей), механизма возникновения и развития горения, а также выявить обстоятельства возгорания, чтобы суд смог вынести правильное решение по делу: в получении компенсации за причиненный вам вред, в доказательстве непричастности к возгоранию и пр.
Работал в Центре судебной экспертизы (в прошлом Казахской научно-исследовательский институт судебных экспертиз) с 1977 года, имею почетные грамоты за заслуги от Министра юстиции СССР и Республики Казахстан.
Мой многолетний стаж работы ( 45 лет) с судебными делами любой инстанции по вышеуказанному направлениям позволяет выдать вам экспертное заключение, отвечающие требованиям объективности, всесторонности и полноты исследований.
Arrowheads reveal the presence of a mysterious army in Europe’s oldest battle
<a href=https://ifvremya.ru/kak-roman-vasilenko-stal-uspeshnym-biznesmenom/>русский анальный секс</a>
Today, the lush, green valley surrounding the Tollense River in northeast Germany appears to be a serene place to appreciate nature.
But to archaeologists, the Tollense Valley is considered Europe’s oldest battlefield.
An amateur archaeologist first spotted a bone sticking out of the riverbank in 1996.
A series of ongoing site excavations since 2008 has shown that the thousands of bones and hundreds of weapons preserved by the valley’s undisturbed environment were part of a large-scale battle 3,250 years ago.
The biggest mysteries that researchers aim to uncover are why the battle occurred and who fought in it. These are questions that they are now one step closer to answering.
ozens of bronze and flint arrowheads recovered from the Tollense Valley are revealing details about the able-bodied warriors who fought in the Bronze Age battle.
The research team analyzed and compared the arrowheads, some of which were still embedded in the remains of the fallen. While many of these weapons were locally produced, some bearing different shapes came from a region that now includes modern Bavaria and Moravia.
The outliers’ presence suggests that a southern army clashed with local tribes in the valley, and researchers suspect the conflict began at a key landmark along the river.
Back to the future
Scientists are harnessing the power of artificial intelligence to detect hidden archaeological sites buried below the sand of the sprawling Rub‘ al-Khali desert.
The desert spans 250,000 square miles (650,000 square kilometers) on the Arabian Peninsula, and its name translates to “the Empty Quarter” in English. To unravel the secrets of the desolate terrain, researchers are combining machine learning with a satellite imagery technique that uses radio waves to spot objects that may be concealed beneath surfaces.
The technology will be tested in October when excavations assess whether predicted structures are present at the Saruq Al Hadid complex in Dubai, United Arab Emirates.
Separately, an AI-assisted analysis uncovered a trove of ancient symbols in Peru’s Nazca Desert, nearly doubling the number of known geoglyphs, or stone and gravel arranged into giant shapes that depict animals, humans and geometric designs.