Archive for October, 2013


October 20th, 2013

Today, humanity does not know where and how to further develop and solve problems that are increasingly being felt as the confusion and shock of blind fate. In the 21 st century communication tools are filled with predictions of the future divination, horoscopes. We really are in an unknown world to us. But today we are drawn to the predictions are not in blind faith inherent in previous generations, but because of awareness of their powerlessness in the nature! Belief in higher power that rules the world, came to us after the faith in science, the conquest of nature. As a result of scientific development, we realized that we have no power over nature and his destiny, and begin to search for the source, on which depends. Baal Sulam in the 'Exile and the release of' Chapter 'coherence and unity of Kabbalah, a blind fate and the development of human calculation,' says about the future of mankind frustration in solving problems – and making science Kabbalah as sent over the knowledge to correct themselves and the world. Michael Laitman

Central Bank

October 7th, 2013

Agent Banks in the second level make loans and are looking for projects profitable financing. Often, they use technologies and methods to lending that banks borrow from the organizers of the first level. Such a model does not exclude the implementation of independent programs lending by individual banks, but most Russian banks are not willing to lend to both small business and act as organizers of lending programs for third-party providers of banks – the fact that most financial intermediaries in the regions exist at the expense of short-term deposits! These banks can not provide long-term loans to entrepreneurs for a renewal of fixed assets. Banks are limited to short-term lending for working capital (up to 1 year and more often – for 3-6 months). Such care improves the reliability of the regional banks, but, unfortunately, short-term loans do not allow small and medium-sized businesses to upgrade their production.

In addition, most regional banks are relatively small. Even loans to small businesses to upgrade their production facilities to create these banks increased credit risks. Besides issuing these loans are small banks could lead to violation of several standards established by the Central Bank of Russia. Banks can not alone provide all micro-credit, therefore, are reluctant to issue a large number of small loans due to high transaction costs associated with the evaluation and control of each. As a result, small and medium-sized businesses wishing to get a loan in the amount of $ 10,000 to $ 20,000 are having difficulty finding outside sources of funding.