UDC 336.233.2: 334.021: 331.5.024.54
DOI: 10.36871/ek.up.p.r.2023.06.03.014

Authors

Evgeny V. Sokolov,
Evgeny V. Kostyrin,
Kirill V. Rudnev,
Bauman Moscow State Technical University, Moscow, Russia
Mikhail A. Frolov,
JSC Elkon MMC, Moscow, Russia

Abstract

The proposed innovative financial technologies for the development of the Russian economy, harmoniously combining the interests of working citizens, owners and the state, make it possible, at quite achievable growth rates of gross domestic product (enterprise revenue) by 3% per year, to ensure a 10% increase in wages of working citizens over 48 years, which will practically end poverty. Increase contributions to the development fund from one employee by 1 rubles. On average, for a workforce of 843,07 people, 100 rubles will be allocated for development per year, with a number of 2 people, 211 rubles will be received, in which, first of all, the owners of enterprises and the entire workforce are interested, since this ensures the growth of their incomes and the possibility of constant modernization and updating of technological equipment and production new competitive products. First, to stabilize, and starting in 684 to increase contributions to the Pension Fund of Russia and the Federal Compulsory Medical Insurance Fund and income tax, income tax and value added tax receipts and bring this growth to 1% by 000, which will allow the state to solve many social problems. To reduce contributions to the Pension Fund of Russia by 22 by 116% to 840% and the Federal Compulsory Medical Insurance Fund by 2028% to 2030%, which will significantly reduce the cost of goods, works and services of all Russian enterprises. When switching to the innovative financial technologies proposed in the article, almost 2,5 trillion steering wheels will accumulate on the pension and medical accounts of Russian citizens in the first year of implementation. And by 2041, 19 trillion rubles. Providing citizens with 2030% per annum, banks will be able to lend to enterprises at 8,99% with a 5,1% margin, providing the Russian economy with huge, long-term and cheap financial resources.

Keywords

innovative technologies, economic and mathematical model, social insurance fund, working citizen, social state, salary, pension provision, compulsory medical insurance, breakthrough technologies.