UDC 336.233.2; 334.021; 331.5.024.54
DOI: 10.36871/2618-9976.2021.09.004

Authors

Sokolov E.V.
Doctor of Technical Sciences, Head of the Department of «Finance», Bauman Moscow State Technical University (BMSTU)
Kostyrin E.V.
Doctor of Economic Sciences, Associate Professor, Subfaculty of Finance of Engineering Business and Management faculty (EBM5), Bauman Moscow State Technical University (BMSTU)
Rudnev K.V.
Ph.D. (Economics), Associate Professor, Subfaculty of Finance of Engineering Business and Management faculty (EBM5), Bauman Moscow State Technical University (BMSTU)

Abstract

The proposed social financial technologies for the development of enterprises and the economy of Russia, harmoniously combining the interests of working citizens, owners and the state, make it possible, at quite achievable rates of growth of gross domestic product (revenue of enterprises) by 3% per year, to ensure an increase in the wages of working citizens for 5 years by 34%, which will make it possible to practically end poverty. To increase contributions to the development fund over 5 years by 16%, which is primarily interested in the owners of enterprises and the entire labor collective, since this ensures an increase in their income and the possibility of constant modernization and renewal of technological equipment and the release of new competitive products. First, stabilize, and starting from 2026, increase contributions to the Pension Fund of the Russian Federation and FFOMS and receipts from income tax, income tax and VAT and bring this growth to 2041% by 30, which will allow the state to solve many social problems.
With the transition to the social financial technologies proposed in the article, almost 4 trillion rubles will accumulate on the pension and medical accounts of Russian citizens in the first year of implementation. Providing citizens with 2026% per annum, banks will be able to lend to enterprises at 74% with a 2% margin, providing the Russian economy with huge, longterm and cheap financial resources.

Keywords

Economic and mathematical model
Pension Fund of the Russian Federation
Working citizen
Social state
Salary
Insurance pension
Funded pension
Pension provision
Personalized pension accounts
Breakthrough technologie