Private Directive Evgeniy Gvozdev, Moscow, Russia.

[Детектив Евгений Гвоздев]

Private Directive Evgeniy Gvozdev, Moscow, Russia.

The deployment of such controversy on my page is of genuine interest. This will need to be analyzed) Since such a booze has started))), I can not help but participate in the discussion.
To someone’s regret, but to someone’s joy, our country has moved from a planned to a market economy more than 25 years ago. The market as a living organism regulates itself. In particular: unpaid loan debts by borrowers provoke banks to raise interest rates on these loans in order to maintain the profitability of their business. Thus, bona fide borrowers pay high interest due to the fact that unscrupulous do not pay them at all. If you imagine a situation in which banks (themselves or through collectors) cease to collect unpaid loans, it would be reasonable to assume that at best 15-20 percent of borrowers will give them, and interest rates on them can increase significantly. For whom and for what then is all this ??? Here you can go from the economic to the legal side of the issue.

The trend, and some citizens already have a cult of non-fulfillment of contractual obligations (this applies not only to bank loans, but also to business), give rise to colossal legal nihilism in the country and how the minds of conscientious and respectable citizens infect the virus. This is a very breeding ground for the development of the criminal mindset of many people who have evaded the fulfillment of certain obligations of citizens who rest on their laurels of impunity. There is the so-called "Theory of broken windows." I recommend that you familiarize yourself with those who have not heard of her. The point is that crime in individual cities and regions is directly related to the external cleanliness and order of the streets. If there are broken windows in the houses and nobody fixes it, very soon petty and then serious crimes begin to be committed there.

Trust ... this word, thanks to the efforts of individual clever people and marginals, managed to bury very, very deeply for several years.

As for the forced imposition of loans ...
Now sales managers are coming home, calling on their mobile phones and office, on weekdays and weekends and very persistently offering to buy anything: from A4 paper and counter-focus software to theater tickets and doctor's appointments. This does not mean that you have to buy it all. Rather, it should be ignored. Also with loans: no matter how much and whatever advertisement you see - whether to take a loan or not - this is only and only YOUR decision. Greed, irresponsibility, and in some cases an insufficient level of financial literacy lead to situations described by a colleague.

I personally have never experienced sympathy for bankers and I am not involved in collecting bank loans. At the same time, it is always and everywhere necessary to remain a person and be able to see the really difficult financial situation of the debtor and members of his family, and, at the same time, to distinguish between overgrown crooks who are “touring” from one trusting partner to another.

 

[Роберт]

The deployment of such controversy on my page is of genuine interest. This will need to be analyzed) Since such a booze has started))), I can not help but participate in the discussion.
To someone’s regret, but to someone’s joy, our country has moved from a planned to a market economy more than 25 years ago. The market as a living organism regulates itself. In particular: unpaid loan debts by borrowers provoke banks to raise interest rates on these loans in order to maintain the profitability of their business. Thus, bona fide borrowers pay high interest due to the fact that unscrupulous do not pay them at all. If you imagine a situation in which banks (themselves or through collectors) cease to collect unpaid loans, it would be reasonable to assume that at best 15-20 percent of borrowers will give them, and interest rates on them can increase significantly. For whom and for what then is all this ??? Here you can go from the economic to the legal side of the issue.

The trend, and some citizens already have a cult of non-fulfillment of contractual obligations (this applies not only to bank loans, but also to business), give rise to colossal legal nihilism in the country and how the minds of conscientious and respectable citizens infect the virus. This is a very breeding ground for the development of the criminal mindset of many people who have evaded the fulfillment of certain obligations of citizens who rest on their laurels of impunity. There is the so-called "Theory of broken windows." I recommend that you familiarize yourself with those who have not heard of her. The point is that crime in individual cities and regions is directly related to the external cleanliness and order of the streets. If there are broken windows in the houses and nobody fixes it, very soon petty and then serious crimes begin to be committed there.

Trust ... this word, thanks to the efforts of individual clever people and marginals, managed to bury very, very deeply for several years.

As for the forced imposition of loans ...
Now sales managers are coming home, calling on their mobile phones and office, on weekdays and weekends and very persistently offering to buy anything: from A4 paper and counter-focus software to theater tickets and doctor's appointments. This does not mean that you have to buy it all. Rather, it should be ignored. Also with loans: no matter how much and whatever advertisement you see - whether to take a loan or not - this is only and only YOUR decision. Greed, irresponsibility, and in some cases an insufficient level of financial literacy lead to situations described by a colleague.

I personally have never experienced sympathy for bankers and I am not involved in collecting bank loans. At the same time, it is always and everywhere necessary to remain a person and be able to see the really difficult financial situation of the debtor and members of his family, and, at the same time, to distinguish between overgrown crooks who are “touring” from one trusting partner to another.

I specially copy this liberal nonsense. Do not be offended. I do not want to offend. Yes, and all liberals say so. And Kudrin and Ulbkaev with Siluanov and the pest Nabiullina. The market does not regulate itself. The central bank rate is the largest in our world !!! Slightly less than 10% !!!! What it is? This is a fee for simply printing rubles !!!! What prevents these criminals from reducing it to zero? Nothing!!! This is where the root of credit problems. After all, the rest of the banks are charging interest on these 10% of such loans, the industry can not give, people, too. This is all that causes problems. Bankers are the root of all non-payments and the collapse of production. This reduces labor productivity and cuts the income of both citizens and firms. Well, it went and went. Now the ruble is expensive, it stimulates the import of products. Shelves are breaking, only few people are already buying something.

 

[Роберт]

So do not tell me about unscrupulous defaulters. Everything is specially made so that they do not pay. This is a good reason to confiscate property. And a good reason for discontent and rebellion. Now, when, as in the 90s, they will shoot on the streets, then we'll talk about new-fangled window theories. I listened here to some intelligence analysts, so they say that they do not have to wait long. By the end of autumn, everything will begin. Do you have a gun? If there is, then good. From the broken windows to shoot. Drive away crime from the apartment.

 

[Роберт]

It seems I predicted several years ago at this forum that Ukraine would fall into three states? Do you remember?

 

[Роберт]

Yes, about banks. Loan defaults 10% of the loan portfolio. And the profit on loans is up to 30. Therefore, they with a clear conscience write off all of them for losses. This is beneficial to them, because they have a tax break then. They repay debts written off to collectors or lawyers. And that’s all. And you are being rubbed that raising interest on a loan is a reimbursement of bad loans. Lies! And further. Banks themselves can take loans to play on the currency exchange. The profits there are colossal and quick, and you don’t have to strain and lend to industry. But that’s all for banking monsters. All. And do not argue with me!

 

[Детектив Евгений Гвоздев]

Robert, although you launched a populist polemic on my page, remembering Omar Khayyam, I will not argue))) in essence, the problems have already been said above.
I will answer thesis on questions concerning me personally:
- no one has called me a liberal yet) my upbringing and environment do not contribute to this in any way; all dissatisfied went to Navalny with the purchased shkolota last Sunday. I will not recommend to compare their motives with mine. This time;
- Regarding the delirium - I suggest that you still be more restrained and correct in your statements. Emotions are not a sign of professionalism. These are two;
- if you still want to continue discussing with anyone else the global financial issues regarding bank lending - open a new forum thread for this. Thank you for the discussion. These are three.

 

[Роберт]

Robert, although you launched a populist polemic on my page, remembering Omar Khayyam, I will not argue))) in essence, the problems have already been said above.
I will answer thesis on questions concerning me personally:
- no one has called me a liberal yet) my upbringing and environment do not contribute to this in any way; all dissatisfied went to Navalny with the purchased shkolota last Sunday. I will not recommend to compare their motives with mine. This time;
- Regarding the delirium - I suggest that you still be more restrained and correct in your statements. Emotions are not a sign of professionalism. These are two;
- if you still want to continue discussing with anyone else the global financial issues regarding bank lending - open a new forum thread for this. Thank you for the discussion. These are three.

Well, offended. As I predicted, I just call a spade a spade. And that’s all. The entire economic bloc of the government suffers "perplexity" on this issue. What to take with a simple private detective? . You are not here much time. Get used to me again. Well yes. We almost never take the moral aspect of our actions into account. And even proud of our stupidity. (I'm talking about the suicides of those who took 4,000 rubles in total and could not give on time. And they planted only a few collectors for the whole time. And how much of this scum still walks free?) It's sad. But to drive from his forum thread -mauvais Tone.
And why are you, as a detective, not interested in the true background of all the intrigue? If we deal with the problem, then we should fully disclose it, not limited to business cards and Omar Khayyam !!

 

[Роберт]

It was especially touched that all this turns out to be a populist polemic. Half the country in poverty. It turns out populist controversy. Well yes. It happens. Thank you for the discussion.

 

[Матушкин Андрей Николаевич]

Good afternoon, my dear friend, partner and colleague!
I sincerely wish you a happy birthday!
Health and well-being!
Shake your hand!

 

[Титаренко Олеся Валерьевна]

Eugene, let all roads lead to success, and all plans come to life at maximum speed! Happy Birthday!