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