头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

2021年03月30日 8011点热度 0人点赞 1,474条评论
头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

2020年这不堪回首的一年已只剩下了最后一天。对此,美银美林首席投资策略师Michael Hartnett用12张图表,回顾和总结了这一年全球市场的发展走向和运行轨迹。

首先,2020年毫无疑问是由新冠疫情主导的一年。正如美银所指出的,这一致命的病毒“蔓延成一场大流行病,粉碎了之前所有对2020年社会、政治、经济和金融市场走向的预测。”

截至年底,全球已有超过7500万人感染了新冠病毒,超过170万人死亡(图1),美国和欧洲受到的打击比亚洲更严重。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

3月至5月的第一波疫情高峰引发了金融市场崩溃、封锁和衰退;致命程度较低的第二波秋季则并未再引发大规模的恐慌。

为应对疫情大流行,到2020年底,有多种新冠疫苗正在研发中,其中几款疫苗已经以前所未有的速度获批分发。

美国银行预测,到2021年年底,将有11亿人接种疫苗,这一数字将远远超过2020年迄今感染病毒的7500万人(图2)。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

世界卫生组织于2020年3月10日首度将新冠病毒定义为全球大流行病。而由于市场预期,全球信贷和股票价格在2月和3月初便已大幅下跌……随后更是直线跳水。

在不到一个月的时间里,全球股市市值蒸发了30万亿美元(图3),无论是速度还是规模都堪称有史以来最大的崩盘之一。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

在第二季度,全球GDP蒸发了10万亿美元,随着人类“流动”的停止(美国运输安全管理局4月份航空旅客同比下降96%),油价更是一度变为负值。

2020年,一度有7000万美国人申请失业救济,失业率飙升至15%(图4);美国家庭储蓄率跃升至34%,创历史新高。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

值得一提的是,在今年年初,投资者曾经对市场抱着非常乐观的心态。根据美国银行的牛熊指标(图5),市场情绪在3月中旬达到最大看跌水平,并一直保持到6月中旬。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

而目前投资者情绪已经基本恢复,特别是在11月初宣布疫苗计划之后。美银的牛熊指标已经加速攀升至6.7,并且正在接近卖出区域。

病毒、崩溃、封锁和衰退引发了前所未有的货币和财政政策恐慌(图6);在过去的9个月里,世界各地宣布了22万亿美元的刺激计划。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

各国央行每月通过量化宽松购买逾1万亿美元金融资产,这打压了收益率、波动性和息差,成功地推动了华尔街资产价格的上涨,并缩短了经济衰退的时间。

而所宣布的14万亿美元财政刺激计划,预示着全球正从货币量化宽松向MMT(现代货币理论)的长期转变;目前,全球债务规模已达到创纪录的277万亿美元,债务收益率也处于5000年以来的最低水平(全球负收益率债务已达到18万亿美元)。

2020年,美国政府直接向家庭部门转移了2万亿美元(图7),面对病毒和失业,消费者支出可谓英勇无畏。但华尔街和主流金融机构现在对政府救助的依赖已成习惯。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

政策刺激导致华尔街出现了史诗般的反弹行情,并在2020年下半年走出了戏剧性的V型经济复苏。

复苏是由中国引领的,中国的工业生产(图8)和出口迅速恢复到新冠疫情前的水平,但对许多人来说,更值得注意的是美国消费支出的反弹(最新零售额比1月20日高出320亿美元)。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

自3月20日的低点以来,全球股市市值已飙升40万亿美元,至逾100万亿美元。3月20日低点以来的反弹幅度(图9)也已经超过了过去一个世纪以来最大的四次反弹(1929年、1938年、1974年和2009年)。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

华尔街对2021年的乐观态度意味着标普500指数的市盈率将超过25倍(图10),仅在1921年和1999年超过了该水平。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

股市将在未来几年大幅上涨的催化剂有很多——“不要与美联储对抗”的共识,MMT(现代货币理论),由科技主导的长期生产率……但最可信的催化剂仍然是老式的泡沫。

2020年华尔街资产的回报也呈现了明显的两级分化:标普500指数的前5大公司市值已占该指数的25%,令人惊叹(图11)。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

到2020年尾声,反弹的类型、行业、规模和地区都有所扩大。年底时,多数股票和信贷投资者采用了一种流行的“杠铃”投资法则——即将投资集中到短期证券和长期证券两种工具上,随利率变动而不断调整两者之间资金分配比例的一种投资策略。

而最后,这场大流行病显然在2020年加剧了不平等——金融资产相对于经济的比值达到了6.3倍的历史最高水平(图12)。

头条 | 挥别2020——12张图表带你回顾这足以载入史册的一年

如果没有一场大变革,这种状况不会得到改善,因为未来几年的特征将是更大的政府、美元贬值、政策从货币和量化宽松转向财政和MMT,所有这些都试图提高劳动力相对于资本的价格,但结果将适得其反。正如Hartnett所言,2020年不仅是新冠肺炎大流行年,也将会作为通胀和利率的长期低点而被人们牢记。

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    Human brain samples collected at autopsy in early 2024 contained more tiny shards of plastic than samples collected eight years prior, according to a preprint posted online in May. A preprint is a study which has not yet been peer-reviewed and published in a journal.

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    Компания «Life Is Good» позиционировала себя как финансово-консалтинговый проект. Она привлекала денежные активы от клиентов, формируя из них инвестиционные вклады, которые приносят пассивный доход от 20% годовых в валюте.

    Официальный сайт компании — lifeisgood.company. Ценной информации на нем очень мало. В разделе «О компании» вместо рассказа о том, чем занимается компания, — общие фразы про финансовую независимость и благополучие клиентов, а также шесть рекламных роликов с известными людьми.
    Данная компания создана в 2014 году. Зарегистрирована в государстве-офшоре Белиз, что находится в Центральной Америке. Соответственно, выданный там сертификат не имеет на территории России никакой юридической силы. Лицензия ЦБ РФ отсутствует.

    Руководитель компании — Роман Василенко, обладатель многочисленных фотошопных регалий, количеству которых позавидовал бы даже Александр Невский (уот так уот), ветеран МЛМ движения в РФ, ну практически святой человек.

    С 1990 года по 1999 год служил в Вооруженных силах РФ.

    После службы работал в инвестиционной компании Save-Invest (Si), зарегистрированной в Швейцарии, которая обещала инвестиционные продукты со сверх доходностью. В 2000х годах газета Коммерсантъ выпустила статью о расследовании сотрудников ФСБ на предмет ведения мошеннической деятельности в РФ.

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    Компания работала в сотрудничестве с еще тремя: Best Way, Hermes Management и Vista.

    Гарантий сохранности денег не давала ни «Лайф-из-гуд», ни «Гермес-менеджмент». Но при этом «Лайф-из-гуд» все же предлагала страхование вложенных денег по оригинальной схеме.

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    The wrecks of explosives-laden Nazi ships sunk in the Danube River during World War II have emerged near Serbia’s river port town of Prahovo, after a drought in July and August that saw the river’s water level drop.

    Four vessels dating from before 1950 have also come to light in Hungary’s Danube-Drava National Park near Mohacs, where the Danube’s water level stood at only 1.5 meters (4.9 feet) on Tuesday, the lingering effect of severe heat waves and persistent drought in July and August.

    The vessels revealed in Prahovo were among hundreds scuttled along the Danube by Nazi Germany’s Black Sea fleet in 1944 as they retreated from advancing Soviet forces, destroying the ships themselves. The wrecks can hamper river traffic during low water levels.
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    The Danube stood at 1.17 meters (3.8 feet) in Budapest on Tuesday, which compares with an all-time record low of around 0.4 meters (1.3 feet) registered in October 2018. During floods, the Danube rises well above 6 meters (19.7 feet).

    “Eastern Europe is experiencing critical drought conditions that are affecting crops and vegetation,” the European climate service Copernicus said on its website in its latest drought report, published earlier this month.

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    Singing about the perils of fame, being dragged out from beneath a fallen chandelier then bleeding to death in front of a roomful of celebrities: Lady Gaga was not shy about making her debut at the MTV Video Music Awards.

    The year was 2009 — many will remember it as the year rapper Ye (formerly Kanye West) stage-crashed 19-year-old Taylor Swift and suggested her award for Best Female Video should have gone to Beyonce instead. But never one to be overshadowed, Lady Gaga, then 23, made some pop culture history of her own that night.

    Her rendition of “Paparazzi” — lamenting both unrequited love and the sinister effects of hounding tabloids — has gone down in the mists of Gaga legend; not least because a lack of high-quality footage means fans must resort to watching grainy screen-recorded versions circulated on social media.
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    “I’m your biggest fan, I’ll follow you until you love me,” Gaga wailed desperately, her once-pristine outfit now daubed in scarlet. She ended the number suspended above the stage, ‘dead,’ as more blood dripped from her eyes.

    “(It) gives me chills every time I watch it,” Olivia Rodrigo told MTV in 2021. “I think Lady Gaga is the best performer of our generation.” The “Drivers License” singer appeared to take notes. At this year’s Grammy Awards, she began to ‘bleed’ from clenched fists while performing her hit “vampire,” spreading fake blood across her arms and neck as the song progressed.

    2024年9月13日
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    Mpox - formerly known as monkeypox - is a highly contagious disease and has killed at least 635 people in DR Congo this year.
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    “We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
    He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
    “You saw how I touched the patients because that's my job as a nurse. So, we're asking the government to help us by first giving us the vaccines.”
    The reason it will take time to transport the vaccines is that they need to be stored at a precise temperature - below freezing - to maintain their potency, plus they need to be sent to rural areas of South Kivu, like Kamituga, Kavumu and Lwiro, where the outbreak is rife.
    The lack of infrastructure and bad roads mean that helicopters could possibly be used to drop some of the vaccines, which will further drive up costs in a country that is already struggling financially.
    At the community clinic, Dr Pacifique Karanzo appeared fatigued and downbeat having been rushed off his feet all morning.
    Although he wore a face shield, I could see the sweat running down his face. He said he was saddened to see patients sharing beds.
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    Mpox - formerly known as monkeypox - is a highly contagious disease and has killed at least 635 people in DR Congo this year.
    Even though 200,000 vaccines, donated by the European Commission, were flown into the capital, Kinshasa, last week, they are yet to be transported across this vast country - and it could be several weeks before they reach South Kivu.
    “We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
    He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
    “You saw how I touched the patients because that's my job as a nurse. So, we're asking the government to help us by first giving us the vaccines.”
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    The lack of infrastructure and bad roads mean that helicopters could possibly be used to drop some of the vaccines, which will further drive up costs in a country that is already struggling financially.
    At the community clinic, Dr Pacifique Karanzo appeared fatigued and downbeat having been rushed off his feet all morning.
    Although he wore a face shield, I could see the sweat running down his face. He said he was saddened to see patients sharing beds.
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    Mpox - formerly known as monkeypox - is a highly contagious disease and has killed at least 635 people in DR Congo this year.
    Even though 200,000 vaccines, donated by the European Commission, were flown into the capital, Kinshasa, last week, they are yet to be transported across this vast country - and it could be several weeks before they reach South Kivu.
    “We've learned from social media that the vaccine is already available,” Emmanuel Fikiri, a nurse working at the clinic that has been turned into a specialist centre to tackle the virus, told the BBC.
    He said this was the first time he had treated patients with mpox and every day he feared catching it and passing it on to his own children - aged seven, five and one.
    “You saw how I touched the patients because that's my job as a nurse. So, we're asking the government to help us by first giving us the vaccines.”
    The reason it will take time to transport the vaccines is that they need to be stored at a precise temperature - below freezing - to maintain their potency, plus they need to be sent to rural areas of South Kivu, like Kamituga, Kavumu and Lwiro, where the outbreak is rife.
    The lack of infrastructure and bad roads mean that helicopters could possibly be used to drop some of the vaccines, which will further drive up costs in a country that is already struggling financially.
    At the community clinic, Dr Pacifique Karanzo appeared fatigued and downbeat having been rushed off his feet all morning.
    Although he wore a face shield, I could see the sweat running down his face. He said he was saddened to see patients sharing beds.
    “You will even see that the patients are sleeping on the floor,” he told me, clearly exasperated.
    “The only support we have already had is a little medicine for the patients and water. As far as other challenges are concerned, there's still no staff motivation.”

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    The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

    We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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    The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

    In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
    Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

    American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.

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    It started with a melting glacier that set off a huge landslide, which triggered a 650-foot high mega-tsunami in Greenland last September. Then came something inexplicable: a mysterious vibration that shook the planet for nine days.

    Over the past year, dozens of scientists across the world have been trying to figure out what this signal was.

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    Some seismologists thought their instruments were broken when they started picking up vibrations through the ground back in September, said Stephen Hicks, a study co-author and a seismologist at University College London.

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    Seismologists traced the signal to eastern Greenland, but couldn’t pin down a specific location. So they contacted colleagues in Denmark, who had received reports of a landslide-triggered tsunami in a remote part of the region called Dickson Fjord.

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    The non-binding framework agreement was signed by Hyundai Motor Executive Chair Euisun Chung and GM Chair and CEO Mary Barra.

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    The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

    We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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    The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

    In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
    Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

    American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.

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    The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

    We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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    The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

    In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
    Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

    American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.

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    Hyundai and General Motors (GM) have agreed to look for ways to work together on developing new vehicles, supply chains and technologies in an effort to cut costs and move more quickly.

    Global carmakers are under intense pressure to come up with new electric vehicle (EV) and battery technology because they face vehicle emissions regulations around the world. Those research and development efforts could cost tens of billions of dollars.

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    South Korea’s Hyundai and America’s GM (GM) said on Thursday they would collaborate on joint product development, manufacturing and future clean energy technologies. They plan to work together on internal combustion, clean-energy, electric and hydrogen vehicles.

    The non-binding framework agreement was signed by Hyundai Motor Executive Chair Euisun Chung and GM Chair and CEO Mary Barra.

    “Our goal is to unlock the scale and creativity of both companies to deliver even more competitive vehicles to customers faster and more efficiently,” Barra said in the statement.

    Including its affiliate Kia, Hyundai Motor is the world’s third-largest automaker by sales, according to Reuters, while GM is currently America’s largest carmaker, having retaken that title from Toyota (TM) in 2022.

    “This partnership will enable Hyundai Motor and GM to evaluate opportunities to enhance competitiveness in key markets and vehicle segments, as well as drive cost efficiencies and provide stronger customer value,” Chung said in the statement.

    Carmakers are increasingly sealing partnerships as a way of becoming more competitive in a cut-throat industry driven by price wars.

    Last year, Nissan and Renault finalized the terms of their revamped alliance, which will focus on developing EVs. GM and Honda (HMC), along with Cruise — GM’s autonomous driving subsidiary — have agreed to create a driverless ride-hailing company in Japan.

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    It started with a melting glacier that set off a huge landslide, which triggered a 650-foot high mega-tsunami in Greenland last September. Then came something inexplicable: a mysterious vibration that shook the planet for nine days.

    Over the past year, dozens of scientists across the world have been trying to figure out what this signal was.

    Now they have an answer, according to a new study in the journal Science, and it provides yet another warning that the Arctic is entering “uncharted waters” as humans push global temperatures ever upwards.
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    Some seismologists thought their instruments were broken when they started picking up vibrations through the ground back in September, said Stephen Hicks, a study co-author and a seismologist at University College London.

    It wasn’t the rich orchestra of high pitches and rumbles you might expect with an earthquake, but more of a monotonous hum, he told CNN. Earthquake signals tend to last for minutes; this one lasted for nine days.

    He was baffled, it was “completely unprecedented,” he said.
    Seismologists traced the signal to eastern Greenland, but couldn’t pin down a specific location. So they contacted colleagues in Denmark, who had received reports of a landslide-triggered tsunami in a remote part of the region called Dickson Fjord.

    The result was a nearly year-long collaboration between 68 scientists across 15 countries, who combed through seismic, satellite and on-the-ground data, as well as simulations of tsunami waves to solve the puzzle.

    2024年9月16日
  • DavidMob

    The world’s best pizza for 2024 isn’t in Naples – or even in Italy. Here’s where it is …
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    Many New Yorkers will gladly tell anyone who’ll listen – and even those who won’t – about how they have the best pizza. And now they’ve got some mouth-watering new back-up for their long-standing culinary claims.

    This week, the Italy-based 50 Top Pizza Awards came out with its 2024 worldwide list, and a Lower East Side restaurant came out on top.

    Una Pizza Napoletana, opened by pizza maestro Anthony Mangieri in March 2022, not only beat out US competitors but also global ones. That includes pizzerias in Naples, Italy, the holy land for pizza aficionados and foodies in general.

    “It’s inspiring to be recognized for this 30 years into my career, especially in Naples where pizza originated,” Mangieri said in an email to CNN Travel on Thursday.
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    Italy still managed to dominate the overall list with 41 eateries while the United States got a total of 15 places recognized. And Naples managed to best New York with five entries on the list, including a tie for the No. 2 spot with Diego Vigtaliano Pizzeria.

    Showing how truly global the awards are, nations not exactly known for their pizza scenes –South Korea, Bolivia and India, to name three ­– were represented on the list.

    2024年9月16日
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    The world’s best pizza for 2024 isn’t in Naples – or even in Italy. Here’s where it is …
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    Many New Yorkers will gladly tell anyone who’ll listen – and even those who won’t – about how they have the best pizza. And now they’ve got some mouth-watering new back-up for their long-standing culinary claims.

    This week, the Italy-based 50 Top Pizza Awards came out with its 2024 worldwide list, and a Lower East Side restaurant came out on top.

    Una Pizza Napoletana, opened by pizza maestro Anthony Mangieri in March 2022, not only beat out US competitors but also global ones. That includes pizzerias in Naples, Italy, the holy land for pizza aficionados and foodies in general.

    “It’s inspiring to be recognized for this 30 years into my career, especially in Naples where pizza originated,” Mangieri said in an email to CNN Travel on Thursday.
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    Adding to their bragging rights, New Yorkers saw three other pizzerias make the 2024 list, which included 101 restaurants in total (despite the “50” in the name of the awards). The rankings for the other New York pizzerias were Ribalta at No. 19, Don Antonio at No. 30 and L’industrie Pizzeria at No. 80.

    Italy still managed to dominate the overall list with 41 eateries while the United States got a total of 15 places recognized. And Naples managed to best New York with five entries on the list, including a tie for the No. 2 spot with Diego Vigtaliano Pizzeria.

    Showing how truly global the awards are, nations not exactly known for their pizza scenes –South Korea, Bolivia and India, to name three ­– were represented on the list.

    2024年9月16日
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  • WalterSon

    Набиуллина выполняет заказ мафии

    Должностные лица ЦБ управляются тайными кукловодами
    Почти три года назад кооператив «Бест Вей» был включен в предупредительный список ЦБ – с этого начались его злоключения. Становится все более очевидным, что это заказная акция, в которой Центробанк действовал в интересах банковской мафии, принимая решения, которые никто даже не потрудился подтвердить документами и фактами.
    Осенью 2021 года потребительский кооператив «Бест Вей» – крупнейший российский кооператив, дававший возможность приобретать квартиры по всей России, в котором около 20 тыс. пайщиков, работающий с 2014 года, был включен в Список компаний с выявленными признаками нелегальной деятельности на финансовом рынке (предупредительный список) ЦБ – против него был использован относительно новый, только появившийся в 2021 году инструмент регулирования ЦБ на финансовом рынке.
    Притом, что примерно за полтора года до этого – в 2019 году – ЦБ в официальном письме по запросу одной из общественных организаций заявлял, что у него нет вопросов к кооперативу – и в силу того, что потребительский кооператив не подведомствен ЦБ, и в силу того, что Банку России ничего не известно о нарушениях, которые требовали бы его вмешательства как мегарегулятора финансового рынка.
    Однако в 2021 году все изменилось: включением в предупредительный список ЦБ попытался поставить кооператив вне закона, обрушить его деятельность. С включения в предупредительный список начались злоключения кооператива: блокирование его официальных информационных ресурсов, системы личных кабинетов и платежей, а затем и распространение на него уголовного дела, возбужденного той же осенью 2021 года по заявлением ряда клиентов иностранной компании «Гермес». Кооператив был объявлен аффилированной с «Гермесом» структурой, постановлением руководителя следственной группы ему был присвоен статус гражданского ответчика по уголовному делу.

    Липовые основания
    Но что лежало в основе включения в предупредительный список? Это стало известно недавно – из двух процессов в Приморском районном суде Санкт-Петербурга: уголовном, по обвинению бывших специалистов маркетинговой компании «Лайф-из-Гуд», сотрудничавшей с «Гермесом», в организации финансовой пирамиды, и гражданском – по иску Прокуратуры Санкт-Петербурга о признании кооператива «Бест Вей» незаконным.
    Оказывается, впервые справку о нарушениях в кооперативе подготовил в 2019 году некий центр компетенций Южного главка ЦБ в Краснодаре – который уже ликвидирован, архив этого подразделения также, видимо, ликвидирован: первоисточников решений нет – указывается, что это некие обращения граждан: каких граждан и что отмечается в обращении, не упоминается. При этом краснодарский центр указывал в отчете, что руководствовался методическими рекомендациями МВД РФ «Квалификация и расследование организации деятельности «финансовых пирамид».
    Далее Северо-Западный главк ЦБ (прежний руководитель – Надежда Савинская, нынешний руководитель – Ирина Петрова) – который обязан был провести собственную проверку по отношению к организациям в своей зоне ответственности (кооператив зарегистрирован в Санкт-Петербурге), просто переписывает документ из Краснодара – и направляет его в прокуратуру.
    Параллельно документ идет «наверх» – и (теперь уже бывший) руководитель Департамента противодействия недобросовестным практикам ЦБ Валерий Лях, который, насколько известно, уехал из России – допросить его в суде не удалось, подмахивает документ о включении кооператива в предупредительный список.
    При этом проверка деятельности кооператива не проводилась – никакая: ни выездная, ни камеральная. Документы у кооператива не запрашивались. Почему? А потому, объясняют представители ЦБ, что кооператив не является подведомственной ЦБ организацией и проверка была бы незаконной. То есть признать по выдуманным основаниям организацию недобросовестной и инициировать против нее уголовное дело можно, а проанализировать ее работу на основании подлинных документов нельзя.

    Основано на заказе
    ЦБ подкрепляет свое решение, во-первых, целыми восемью обращениями граждан – несколько более поздними, чем полумифические краснодарские. Но ни одно из которых не подано членом кооператива.
    Граждане интересуются в своих обращениях: кооператив законен? Нет ли к нему вопросов у регулирующих организаций?
    Во-вторых, актом осмотра официального сайта кооператива – в нем зафиксированы новости и структура личных кабинетов, больше ничего.
    То есть решение, заблокировавшее нормальную деятельность кооператива более чем на два года, приведшее к аресту его счетов, абсолютно ни на чем не основано. Вернее, основано на заказе мафии, стремящейся захватить кооператив и конкурентов, борющихся с кооперативом.
    При этом Центробанк рассказывает, что включение в список – это только информирование потенциальных потребителей финансовых услуг о рисках, но сам же себе противоречит, говоря, что именно ЦБ обратился в Роскомнадзор о блокировании информационных ресурсов кооператива, именно он обратился в прокуратуру и органы внутренних дел с предложением возбудить уголовное дело. И именно на основании письма его Северо-Западного главка уголовное дело начало расследоваться в том числе и в отношении кооператива. При этом за несколько лет расследования ни одного криминального эпизода не найдено: деятельность кооператива абсолютно юридически чиста.

    Ложь Набиуллиной
    По поводу судьбы кооператива «Бест Вей» и других кооперативов депутаты Государственной думы неоднократно обращались к руководству ЦБ, в том числе лично к Эльвире Набиуллиной. Они предлагали разобраться в ситуации, при необходимости ввести дополнительный контроль со стороны ЦБ, который снимет сомнения со стороны ведомства.
    Набиуллина в прошлом году публично пообещала на пленарном заседании Думы проработать вопрос кооперативов, совместно с депутатским корпусом выработать компромиссные предложения – но за более чем год ничего не сделано!
    Кооперация в России продолжает торпедироваться, а ведь это важнейший для экономического роста в стране сектор – способный аккумулировать миллиарды рублей (на счетах «Бест Вей» – более 4 млрд рублей!) и направить их в развитие экономики. Это важнейшее направление решения жилищного вопроса – альтернатива ипотеке, которая недоступна подавляющему большинству граждан и единственное, чему помогает, – это обогащению банков и мафии, стремящихся прибрать к рукам деньги граждан.

    Круговая порука
    Атаки центробанкиров на кооператив носят целенаправленный характер. Достоверно известно, что они велась с одобрения первого зампреда ЦБ Владимира Чистюхина – не говоря уже о бывшем и нынешнем руководителях Северо-Западного главка ЦБ Савинской и Петровой, бывшем директоре (упраздненного в прошлом году) Департамента противодействия недобросовестным практикам Валерии Ляхе, а также главе забравшего его функции Департамента небанковского кредитования Илье Кочеткове.
    Это не что иное, как круговая порука. В прошлом году к руководителю службы по защите прав потребителей и обеспечению доступности финансовых услуг ЦБ Михаилу Мамуте обратились по поводу очевидного нарушения законодательства – банки отказались исполнить судебное решение о снятии ареста со счетов кооператива (позднее арест был наложен снова). Мамута под мифическими предлогами отказался наказать банки.
    Очевидно, что происходит не что иное, как целенаправленное заказное преследование кооператива – в интересах неких сил, волю которых стремится исполнить Центробанк.
    Атаки, с одной стороны, в интересах банкиров, стремящихся установить ипотечную монополию и перекрыть кислород кооперации, а с другой – тайных кукловодов, стремящихся захватить более 4 млрд на счетах кооператива.
    Атака центробанкиров на кооператив должна быть вскрыта, расследована, виновные должны быть привлечены к ответственности!

    2024年10月2日
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  • JeffreyBiz

    Arrowheads reveal the presence of a mysterious army in Europe’s oldest battle
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    Today, the lush, green valley surrounding the Tollense River in northeast Germany appears to be a serene place to appreciate nature.

    But to archaeologists, the Tollense Valley is considered Europe’s oldest battlefield.

    An amateur archaeologist first spotted a bone sticking out of the riverbank in 1996.

    A series of ongoing site excavations since 2008 has shown that the thousands of bones and hundreds of weapons preserved by the valley’s undisturbed environment were part of a large-scale battle 3,250 years ago.

    The biggest mysteries that researchers aim to uncover are why the battle occurred and who fought in it. These are questions that they are now one step closer to answering.
    ozens of bronze and flint arrowheads recovered from the Tollense Valley are revealing details about the able-bodied warriors who fought in the Bronze Age battle.

    The research team analyzed and compared the arrowheads, some of which were still embedded in the remains of the fallen. While many of these weapons were locally produced, some bearing different shapes came from a region that now includes modern Bavaria and Moravia.

    The outliers’ presence suggests that a southern army clashed with local tribes in the valley, and researchers suspect the conflict began at a key landmark along the river.

    Back to the future
    Scientists are harnessing the power of artificial intelligence to detect hidden archaeological sites buried below the sand of the sprawling Rub‘ al-Khali desert.

    The desert spans 250,000 square miles (650,000 square kilometers) on the Arabian Peninsula, and its name translates to “the Empty Quarter” in English. To unravel the secrets of the desolate terrain, researchers are combining machine learning with a satellite imagery technique that uses radio waves to spot objects that may be concealed beneath surfaces.

    The technology will be tested in October when excavations assess whether predicted structures are present at the Saruq Al Hadid complex in Dubai, United Arab Emirates.

    Separately, an AI-assisted analysis uncovered a trove of ancient symbols in Peru’s Nazca Desert, nearly doubling the number of known geoglyphs, or stone and gravel arranged into giant shapes that depict animals, humans and geometric designs.

    2024年10月4日
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  • Philipbax

    Я стал пайщиком кооператива "<a href="https://www.pravda.ru/realty/2049298-delo-laif-iz-gud-germes-best-vei/">Бест Вей</a>" несколько лет назад, и благодаря его программе смог приобрести свое жилье. Теперь же наблюдаю, как правоохранительные органы ведут против него настоящую кампанию по дискредитации. Это вызывает у меня возмущение! Людей, которые верили в справедливость и честность, теперь пытаются сделать жертвами, хотя на самом деле пострадали мы, пайщики. Все эти обвинения – полная ложь, и их цель – захватить наши средства и разрушить работающую систему. Важно понимать, что если бы кооператив действительно был незаконным, он бы не работал столько лет и не помог бы тысячам людей по всей стране. Я уверен, что это дело сфабриковано, и за ним стоят интересы определенных лиц. Я жду, когда все это закончится, и правда восторжествует. Мы, пайщики, не должны молчать и позволять разрушить то, что помогло так многим.

    2024年10月4日
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    Today, the lush, green valley surrounding the Tollense River in northeast Germany appears to be a serene place to appreciate nature.

    But to archaeologists, the Tollense Valley is considered Europe’s oldest battlefield.

    An amateur archaeologist first spotted a bone sticking out of the riverbank in 1996.

    A series of ongoing site excavations since 2008 has shown that the thousands of bones and hundreds of weapons preserved by the valley’s undisturbed environment were part of a large-scale battle 3,250 years ago.

    The biggest mysteries that researchers aim to uncover are why the battle occurred and who fought in it. These are questions that they are now one step closer to answering.
    ozens of bronze and flint arrowheads recovered from the Tollense Valley are revealing details about the able-bodied warriors who fought in the Bronze Age battle.

    The research team analyzed and compared the arrowheads, some of which were still embedded in the remains of the fallen. While many of these weapons were locally produced, some bearing different shapes came from a region that now includes modern Bavaria and Moravia.

    The outliers’ presence suggests that a southern army clashed with local tribes in the valley, and researchers suspect the conflict began at a key landmark along the river.

    Back to the future
    Scientists are harnessing the power of artificial intelligence to detect hidden archaeological sites buried below the sand of the sprawling Rub‘ al-Khali desert.

    The desert spans 250,000 square miles (650,000 square kilometers) on the Arabian Peninsula, and its name translates to “the Empty Quarter” in English. To unravel the secrets of the desolate terrain, researchers are combining machine learning with a satellite imagery technique that uses radio waves to spot objects that may be concealed beneath surfaces.

    The technology will be tested in October when excavations assess whether predicted structures are present at the Saruq Al Hadid complex in Dubai, United Arab Emirates.

    Separately, an AI-assisted analysis uncovered a trove of ancient symbols in Peru’s Nazca Desert, nearly doubling the number of known geoglyphs, or stone and gravel arranged into giant shapes that depict animals, humans and geometric designs.

    2024年10月4日