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00:00:00that the children will not only be able to publish their materials in the newspaper, but
00:00:03also later enroll in a specialized university. For young journalists,
00:00:06there are also off-site events planned. Students will visit the Vitebsk
00:00:10region media center, and also film a report about the everyday life of rescuers.
00:01:22Belarus and Uzbekistan are strategic partners. We
00:01:25are actively developing bilateral dialogue in trade,
00:01:29industry, and also cooperation.
00:02:00Relations between the two countries are developing in all directions.
00:02:04The parties discussed development issues and agreed to strengthen
00:02:07cooperation with China in education, healthcare and people's
00:02:10diplomacy. Belarusian and Chinese ophthalmologists
00:02:14signed a memorandum of cooperation. Chinese colleagues
00:02:18proposed organizing a mutual exchange of doctors for training, according
00:02:21to the Belarusian side, the project will benefit the health of citizens of both
00:02:25countries. The pulse of the country on international
00:02:28air. Belarus Time.
00:03:48area of interest on the first information channel we talk about
00:03:51notable events in the economy, with me is Svetlana
00:03:54Lukinyuk, first the main topics of today's
00:03:57issue: The National Bank raises the allowable level. Debt
00:04:01burden indicators soften requirements to get a loan for Belarusian
00:04:04goods. In Belarus, the growth of investments in fixed capital is accelerating, what
00:04:08is the reason for the inflow and which sectors are most interesting for
00:04:11investments. Consumer cooperation enterprises are having a hot
00:04:15time, people are actively bringing what they grew in their gardens in
00:04:18excess. We went and saw. All this,
00:04:22as well as current exchange rates, will be covered in the next 15
00:04:25minutes.
00:04:27The National Bank softens the requirements for.
00:04:46The decision was made by a resolution of the National Bank, and it is aimed at
00:04:49increasing the accessibility of financing.
00:04:52We will discuss this in more detail right now with the Deputy Chairman
00:04:56of the Board of the National Bank of Belarus, Andrei Kartun. Andrei
00:05:00Mikhailovich, we welcome you, so, please tell us more details about our
00:05:03opportunities for borrowers to purchase Belarusian
00:05:07goods, what does this increase in the debt
00:05:10burden threshold mean? Well, let's start with what a debt
00:05:14burden indicator is, so that everyone understands, it is essentially the ratio of all your
00:05:18credit payments, which you are currently paying and
00:05:22which you will potentially pay with this loan, for which you apply to
00:05:25the bank, to your total income,
00:05:29respectively, now this standard is set at 40%,
00:05:32this means that more than 40% of your
00:05:36loan payments cannot be in proportion to your income, that is, the bank
00:05:40looks at this, yes, certain allowances are made...
00:05:58In fact, we do not have such a large indicator of debt burden for the population in principle, we have a little more than 27%, this is precisely the indicator of debt burden, well,
00:06:02if we compare it with many countries in the world, one of the lowest
00:06:05indicators, we have such a remarkable
00:06:09statistic, somewhere around 1.8
00:06:43looked at potential borrowers and generally,
00:06:46borrowers in terms of who they are, who
00:06:49takes loans for domestically produced goods, specifically
00:06:53consumer loans for furniture and household appliances, so
00:06:56predominantly among clients, if we look, these are clients
00:06:59with incomes from 2 thousand to 3,000, this is practically
00:07:03more than half of all potential
00:07:06bank borrowers who take this type of loans.
00:07:10Therefore,
00:07:12these particular borrowers, it is clear that due to the limitations of their
00:07:16income, they run into this 40% coefficient, which
00:07:19I mentioned, so we decided to slightly increase
00:07:23this threshold specifically for this category of loans,
00:07:26and consequently, you will now have enough not only for two chairs
00:07:29or maybe even a sofa at a certain
00:07:33relatively low income level, this is precisely what
00:07:36we are increasing. The accessibility of this
00:07:40type of loans, well,
00:07:42we hope that the population will appreciate
00:07:46this and will buy more
00:07:48Belarusian goods. But
00:07:51these rules do not apply to those who buy, for example,
00:07:55cars? It applies to all consumer
00:07:58loans, but we raised this, this threshold to
00:08:0150%, on the contrary, softened the requirements specifically
00:08:04for loans that are for domestically produced goods without cars,
00:08:08that is, for a Belarusian car. This threshold
00:08:12remains 40%,
00:08:15now this DTI, it's 50 only
00:08:18increased only for this category,
00:08:21for now. Thank you very much, this was the Deputy Chairman
00:08:25of the Board of the National Bank of Belarus, Andrei
00:08:27Kortun.
00:08:30In Belarus, the growth of investments in fixed capital is accelerating. In
00:08:34January-June, the volume of investments increased by more than
00:08:374% year-on-year after 1.5% in
00:08:40January-May.
00:09:42is an important component of investment, but
00:09:46in the second quarter, as we see, investments grew by 10% in
00:09:49annual terms, this is after a decline of
00:09:512.7% in the first. Well,
00:09:55it is clear that partly the growth is due to the recovery dynamics
00:09:59of contract work, but this is due to the fact that construction
00:10:02organizations increased activity after forced
00:10:05downtime in the first months, but we
00:10:09believe that this is only one of the factors, ae.
00:10:12In our opinion, the state policy to stimulate investments plays an important role.
00:10:16If we look at investments from the point
00:10:20of view of financing,
00:10:23then, in general, all the growth for... the first half of the year, which amounted to
00:10:264.1%, was provided by budget
00:10:30sources and bank loans. I would like to dwell on
00:10:34the latter source in more detail,
00:10:37but in principle, in the conditions of the National Bank's policy to
00:10:41stimulate investments,
00:10:44investment loans for the first half of the year were issued by banks
00:10:48in the amount of about 3.6
00:10:51billion rubles, excuse me,
00:10:54a... Well, in general, according to the chairman of the National Bank, this
00:10:58allowed to overfulfill the target for investment
00:11:01loans, brought to the banking system, well
00:11:05and
00:11:07it seems to me that financing investments through bank
00:11:10loans allowed enterprises to partially replace
00:11:13the use of their own funds for investment
00:11:15purposes, and this is a good
00:11:19indicator, because well, it says that investments can
00:11:23be used, that is, for investments... you need to attract loans, and not
00:11:26use your own funds, which you can put, for example, into
00:11:29circulation. As for the Eurasian
00:11:33region as a whole, what do analysts of the EDB note
00:11:36in terms of investment activity, for example, in the countries of Central
00:11:39Asia?
00:11:42If we look at it as a whole, then
00:11:45high investments are indeed maintained in the regions of Central Asia and Armenia.
00:11:49There, the growth is largely due
00:11:52to indeed high investment activity, because
00:11:55countries are actively developing, they
00:11:57have, among other things, the so-called
00:12:01demographic dividend, too, as it were, they have a lot
00:12:04of young people, who need new jobs,
00:12:08and here I would also mention the policy
00:12:12of the state, primarily Kazakhstan and
00:12:15Uzbekistan, which are pursuing an active
00:12:18policy, well, and Kazakhstan for
00:12:21diversification of the economy, Uzbekistan for industrialization
00:12:25of the economy, and naturally, when you start, especially for Uzbekistan
00:12:28with a low base, the growth rates of investment will always be
00:12:31high. As for the Russian
00:12:34Federation, here we observe a decline in investment
00:12:37activity, this is due to
00:12:41the strict monetary policy pursued by the Central
00:12:44Bank, but this was aimed at
00:12:47reducing inflation, well, in principle, by the latest
00:12:51figures we see that he managed to do that.
00:13:25The Russian ruble lost value against the dollar and yuan. So, the dollar costs
00:13:292 rubles 94 kopecks. The euro exchange rate, according to
00:13:32the National Bank, is 3.39. For 10
00:13:35yuan, they gave 4 rubles 39 kopecks at the auction. And 100 Russian
00:13:39rubles cost 3.64
00:13:41Belarusian rubles.
00:13:47And now let's talk about the opportunity to earn money for those who have grown a good
00:13:51harvest. So, over the past six months, Belarusians have sold surplus
00:13:55agricultural products for almost 80 million rubles. Now, at
00:13:58consumer cooperation enterprises, it's a hot time, people are actively bringing what
00:14:02they grew in their gardens in excess. Belkapsoyuz helps
00:14:05with such a wealth of homestead gifts, it
00:14:09sets itself a triple task - to buy, preserve and
00:14:12sell. Our correspondent Anastasia
00:14:15Strelkovskaya on why, by coming to the procurement point, you won't leave
00:14:19empty-handed, you'll be in profit and you'll help
00:14:22the country.
00:14:25every summer, especially this one, when it alternately delights us with rain and
00:14:28scorching sun, is a time when many enthusiasts of working
00:14:32on their small plots somewhere outside the city become the owners
00:14:36of that most useful currency, in the form of cucumbers, tomatoes,
00:14:39apples, mushrooms and berries. Some use their capital
00:14:43themselves, some exchange it for a small coin, a real
00:14:46one, although perhaps not so small. For
00:14:49Vitaly Chuchota, the road to the reception and procurement point
00:14:53at the market in Slutsk has long been well-trodden.
00:14:55Everyone here knows him and loves what he brings, juicy
00:14:58fruits from the land of the agricultural town of Veseya. We plant vegetables,
00:15:02potatoes, beets, onions as
00:15:06much as possible, we harvest for ourselves to
00:15:09live for a year, and the rest, well,
00:15:13the surplus, we give it to this reception point, we earn money from this
00:15:16and quite well, we save for our children's
00:15:19education, that's all, they help us, and we
00:15:23all work together as a family. Any way to replenish the family
00:15:27budget is good, especially when you sell at adequate
00:15:30prices: potatoes for a kilogram from 80 kopecks.
00:15:33Tomatoes from 2.5 rubles, chanterelles from six.
00:15:37If. you take into account that you don't have to stand in such
00:15:40heat and deal with buyers, it's the most
00:15:43suitable and gentle option, you gave it away and a load
00:15:46off your shoulders, and a ruble in your pocket, when the first vegetables, the price
00:15:50is good, they come,
00:15:53they sell, they bring beets, they bring onions, but
00:15:56the main mass of potatoes, chanterelles we have in season,
00:16:00blueberries, cranberries, strawberries, garden
00:16:03strawberries, well, they bring everything little by little,
00:16:22vegetables, fruits and berries 4,500 and
00:16:26wild plants over 20 tons, and the assortment
00:16:29of products being handed over delights with its variety, today
00:16:32Belarusian cucumbers are present year-round in the retail chain,
00:16:36tomatoes. Next comes early cabbage, and cabbage is
00:16:40of numerous varieties such as white cabbage,
00:16:43and cauliflower, and Chinese and Brussels sprouts and so
00:16:47on, carrots, beets, onions,
00:16:49garlic, the same zucchini, eggplants,
00:16:53peppers, all this we are ready to buy
00:16:57from the population today and sell on the domestic
00:16:59market, as well as to processing enterprises of the Republic of Belarus, and
00:17:03if you still decide to give something from your stocks, but there is...
00:17:53to hand over apples, which have been so abundant this year, but
00:17:57there is an answer, everyone has the right to order a car to
00:18:00take away their rich harvest, but there is also a
00:18:04category of owners who enjoy taking on the role of a manager.
00:18:37I sell them at the market. People are always
00:18:41grateful, because the tomatoes are good and the cucumbers are good,
00:18:44everything. products,
00:18:46villagers know how to work with the land, so it
00:18:50generously gives gifts to its helpers, enough
00:18:53for themselves and for others to get some. Our consumer
00:18:56cooperation only helps this abundance not to go to waste, so that
00:19:00everyone who bought or sold remained profitable.
00:19:04Anastasia Strelkovskaya, Alexander Yasyulevich, sphere of interest.
00:19:13This is the first informational, main news in economics and finance, as well as
00:19:16current comments. Watch the sphere of interest
00:19:20stay on our channel.