Banks and Investments.
The note. Saving fund of an euro zone, for SDB can become 800 billion the euro, postponed on development SDB. (2Lv=1Euro, 14 % of the population for transition to Euro) - from MASS-MEDIA.
The status of fin-bank system, today too bloated in state and an economic board, in damage of manufacturers of the goods and services. Therefore the role of bankers in a digital society « full cashlessа » should be reduced promptly. Banks in many respects became powerful IT-divisions, instead of storehouses fiat and precious metal, and all receipts, bills and other documents for a long time already became digital. Other financial institutions are necessary for smart-investments of digital development.
In an idealin SDB, at transition on full cashless payment enough five Digital banks, from 100% state-owned.
The national State Bank of the Ministry of Finance, from the right of emission of state-money and storage of gold - currency and other reserve stocks.
National bank (for all physical persons),
Business bank (for all legal persons),
Ground bank - for operations with possession, the real estate, the ground and natural resources etc.
Vnesh bank - for currency exchanges, calculations with abroad, at departure / entrance from the country, through the World bank or directly with нац banks of others стан.
In (IOSM-THE INF-OPEN SOCIETY OF DIRECT NATIONAL SELF-MANAGEMENT (ИОО ПНС) banks were only digital «coin boxes - purses of another's money », with simple remote access of owners. Also provided precise identification, safety of storage, transactions - translations from accounts and an interbank exchange. Under supervision of the Bank - appendix with II personal smart-phone the owner and systems of safety with II at banks. Banks also gave out short-term turnaround and consumer credits for Business and physical persons. But without the right of banks of possession Business, in case of bankruptcies.
I.e. all money of people and Business were in banks, as records in databases, but long-term business of the investment of these huge non-cash means of accumulation of people were deduced (removed) from under jurisdiction of banks and transferred structure of the Ministry of Finance, under the name- service of private (individual) certificated Investment Inspectors (InIN), without the right of gamble.
They (without the right of possession) defined(determined), where most доходно today to invest (open listing, from % of the guaranteed income). People concluded Contracts (with a guarantee of return) and remotely translated on their accounts the money.
So the market large national not speculative investments and open investment Reputation forums - competitions on research and accumulations of means, for the most effective business of investments (crowd funding)was created. Both from the population, and from foreign investors and from other actives.
Thus speculative business of banks -"money - money" » was undermined and again «the goods / money - new of goods / service » have increased. Have gone big long-term (2-10 years) investments in humanely directed social development societies, to necessary manufactures and new technologies.
We admit(allow), in a small community or city,have decided to create a modern highly profitable farm or manufacture (assembly) smart-phone. Have in volved InIn (InIn), have received the small credit in bank, have ordered development business of the plan in branch institute, have discussed problems and have decided to build and buy the equipment. Have again chosen group InIn of managers of the Ministry of Finance, have concluded with them contracts on the investment of a part of means of a community. And InIn should develop (unwrap) the advertising company on attraction of additional long investment credits for construction and attraction of experts. As inside the country, and abroad.
I.e. the basic financing and attraction of experts should provide ministerial and regional / city InIn and be trained and work at this enterprise, there will be people - owners from the community / area, initially expressed desire to be enclosed. Then new hi-tech workplaces in a community will appear, in area and in the country and will be provided not only high earnings of the citizens, but will raise investment prestige of the country as a whole.
The world is overflown with money, good projects, explanatory (sensible) virus advertising and responsible (crucial) experts InIn, which thousand are necessary can convince and юр.лиц to be enclosed in new business necessary to people!
But if InIn could not provide investment and return of credits to the stipulated term, his (its) public reputation instantly fell, mortgaging accounts and property were arrested, and contracts were renewed with new InIn. With an axiom - «the Economic agent always operates in the advantage (enefit) », and altruism at speculators and swindlers ущербен on the nature of their activity », in IOSM-THE INF-OPEN SOCIETY OF DIRECT NATIONAL SELF-MANAGEMENT (ИОО ПНС) struggled fast and most rigid digital ways.
Money, and the qualitative goods, services, freedom and safety, where money only an estimation - equivalent of their work are necessary for people not at redistribution of all made in the state / world. In the modern global world with remote-mobile economy when, using only Smart-phone it is possible to sell / buy and deliver any goods or service in any place, and not only in the country, but also abroad, it becomes very favourable to trade in the primordial national Bulgarian qualitative goods.
Therefore it is necessary to study to advertise and sell the exclusive goods on world (global) platforms as china and others, lifting the real income, instead of to erect barriers. That each citizen or group of people conveniently, simply and safely could sell on world(global) and digital-platforms the goods / service (without intermediaries and with auto-translation contracts), having received far off the certificate - sanction (the obligation of quality).
In SDB even fruit or souvenirs freely can be sold at road, using payment "smart-phone, not bothering on payment of taxes. They should be removed by the automatic device on a minimum (3 %), being corrected on the final revenue human number (чела-номерка).
Then rough economic growth of economy in the country will begin, is fast вырастет purchasing capacity of salaries at the majority of people, so also quality of their life. And economy and state administrations will remind more service for citizens, on the basis of info - communication and business - digital platforms.
It is sad, that many ruling Elite do not understand it, continuing to correct the country on old« neo-feudal to curves » national -capitalism, being frightened by economic innovations, driving people in fear, poverty and emigration.The superstructure has lagged behind,means should be discharged from authority, agrees marxist theories.