© "New Izvestia", 07/12/2002
Kozlov speaks and shows
First Deputy Chairman of the Central Bank, who per year
guaranteed default to the Russians
safety of deposits, took up again
old...
Sergey Andreev
Andrey
Kozlov
Last Monday at the meeting
State Council working group on preparation
banking reform bill
First Deputy Chairman of the Central Bank of the Russian Federation Andrey
Kozlov reported on the future system
guaranteeing deposits of the population. By
certificate of the State Statistics Committee, for
decade of reforms more than two thirds
the population lost their deposits. IN
last time the savings of Russians
suffered during the 1998 default.
Then be responsible for the system
state guarantees of deposits also
Andrey Kozlov was seconded,
who, as now, supervised the Central Bank
banking supervision sector.
The words of the televised address are still fresh in my memory
this official, sounded on air
right in the midst of a default. Andrey
Andreevich then called on “problem” investors
commercial banks transfer their
accounts in Sberbank. Later Viktor Gerashchenko
called this call a “mistake,” although
it would be more correct to regard it as
provocation. According to him, Kozlov
made that memorable televised address
"at the request from above." Sounded in
at the end of “Black August” Kozlov’s advice on
castling of deposits in favor of Sberbank
finally undermined investors' faith in
the state's ability to be responsible for
your guarantees. Not only are deposits
The Russians who believed Kozlov turned out to be
frozen for a long time,
so also payments on them later
were produced for several months with
huge losses for investors. So,
holders of foreign currency accounts received
your savings in Sberbank at the rate of 9
rubles for one dollar. And that's when
its real price was more than 20 rubles.
Scheme of retribution with the twice deceived
population received through Sberbank
then a rather ambiguous name -
"Kozlovskaya".
Now everyone has this popular term again
on the lips. And no wonder: returning
just recently after the leapfrog
resignations-appointments to the previous high
position at the Central Bank Andrey Kozlov prepared
another surprise for dear Russians.
According to the new idea of the first deputy chairman
Central Bank, in the future bill “On
foundations of state policy in the field of development
banking system" should be
there is a ban on early withdrawal
household deposits from banks. However, if
upcoming banking reform in the region
protection of the population's deposits will go according to
Kozlov's scenario, then this will mean
actual seizure of our money.
Since before the expiration of a certain
established by the same Kozlov
deadline for withdrawing deposits from a bank account
It will be impossible either completely or partially.
This approach to “protecting” deposits
is a direct violation
Civil Code and written in it
depositors' rights. However, to the one who passed the lights
and the waters of financial games for Kozlov, it seems,
Even if you spit in your eyes, it’s all God’s dew.
The name of this Central Bank official appears in
a number of criminal cases and operational
documents related to the investigation
reasons for the 1998 default. Take, for example,
excerpt from operational document
investigative team of the Prosecutor General's Office of the Russian Federation,
published in full on January 12, 1999
of the year in Nezavisimaya Gazeta (Tatiana
Koshkareva, Rustam Narzikulov. "Officials
got their hands on the default"):
“...it has been established that Kozlov, occupying
first deputy position
Chairman of the Central Bank, had in
several commercial banks
ruble and foreign currency accounts to which
funds received from state bonds were credited.
Only to his ruble account at Avtobank
in 1998, 12 payments were received for the total
amounting to about 560 million rubles, and
foreign currency account - 42 thousand dollars...".
First Deputy Chairman of the Central Bank of the Russian Federation Andrey is mentioned
Kozlov and in the deputy’s investigation
State Duma Yuri Shchekochikhin, published
09.29.98 in Novaya Gazeta (“Particularly important
persons of the Central Bank"), where they were
provides sensational data about
salaries of the top echelon of the Bank of Russia:
“Chairman of the Central Bank S.K. Dubinin
last year at my main place
one billion officially received work
two hundred fifty eight million
rubles Well, plus some change and kopecks... But
a few more names of those who already live
a decent life, I can call: all of them, so
it turned out, from the management level
Central Bank. Judging by the available
documents sent from the Central Bank to
The State Tax Inspectorate, in addition to Dubinin, is:
...Kozlov Andrey Andreevich - 642.567.447.31. Yes,
these are my lucky compatriots.”
And this is only the official salary,
which officials were not afraid to “expose”
with the tax authorities. A lot works out.
Let it even be about
non-denominated rubles - at price
five thousand of these same rubles per dollar. A
at this time the country has been stripped to the skin,
deceived by high-ranking players
GKO, finished the last canned food from
stash. And on Kozlov’s advice I translated
accounts that suddenly became “problematic”
commercial banks to Sberbank.
Apparently, the rich experience of the first
Deputy Chairman of the Central Bank Andrei Kozlov, recently
demanded by the new head of the Central Bank Sergei
Ignatiev, it will come in handy in the future. A
numerous Russian investors to
We are already used to deception. They will also get used to
new Kozlov system of protecting them
deposits...
Original
this material
© "Independent
newspaper", 07/12/2002
The “Godfather” of GKO is true to himself
Andrey Kozlov took up the “cultivation” of banks
Nikolay Viktorov
They say that during Gerashchenko’s second coming to the Central Bank, in 1998, in the office of the first deputy chairman of the Central Bank, Andrei Kozlov, there hung a professional artistic photograph of a sunset at the Cape of Good Hope. The deputy chairman himself called it “The Decline of the Russian Banking System.” It seems that during his third coming to the Central Bank, Andrei Kozlov, the author of the GKO pyramid, decided to arrange a “manual sunset” for Russian banks, which he failed in 1998.
A renowned builder of pyramids out of government debt, Andrei Kozlov, after leaving the Central Bank in 1999, did not find any use for himself for three whole years. An attempt to prove that after 10 years of work at the Central Bank he can work effectively in a commercial bank failed. Already the first year of operation of Russian Standard, which Kozlov left the Central Bank to create, ended with a considerable loss. Naturally, the main founder of the bank, Rustam Tariko, owner of Rust Incorporated, was very upset by such indicators. It is unknown what kind of conversation he had with Kozlov, but the latter had to leave the bank.
Then the failed banker decided to go into the tourism business. But Kozlov also failed to become a successful tour operator in Moscow. Moreover, the ex-deputy chairman of the Central Bank did not last even a year in the tourism business. In fact, already in Russian Standard, Kozlov began to yearn for public service. At the beginning of 2000, he even said that he was about to be appointed to head Sberbank instead of Andrei Kazmin. However, the appointment did not take place, and after all the ordeals, Mr. Kozlov had to seek shelter from Western sponsors. Since last fall, he has been languishing as executive director of the American Volunteer Financial Services Corps.
But finally, the best pyramid builder in the country has found a worthy use for himself. At first glance, when in April Kozlov was appointed first deputy chairman of the Central Bank for the third time, nothing foreshadowed trouble for the country’s banking system. But, apparently, after three years of rushing from place to place, Kozlov missed something global, and soon after his installation in the chair of deputy chairman, they began to say that at the Central Bank he plans to do something no less large-scale than GKOs.
And, naturally, global initiatives were not long in coming. The end of June and the beginning of July was marked by two “brilliant” ideas of the deputy chairman. Firstly, he talked about how the Central Bank sees a system for guaranteeing household deposits in private banks. Secondly, he introduced the banking community to the Central Bank’s plans to strengthen supervision over banks.
And you can’t say that no one needs all this—guaranteeing deposits and supervising banks. Need to. The only problem is that behind Kozlov’s new plans a new banking apocalypse is already looming.
Let's take, for example, Kozlov's position on creating a system for guaranteeing deposits of the population. The country's deputy chief banker believes that the system should be mandatory for all banks, but at the same time, the Central Bank itself will decide who is allowed into it and who is not. At the same time, the Central Bank will conduct a comprehensive audit of all banks, and only those that, in the opinion of the Central Bank, will not face bankruptcy within the next three years will be given the right to enter the system.
Let us note that in world practice, according to experts, there has never been a single case when the Central Bank undertook a total inspection of all banks. And the fact that the Central Bank of Russia is able to cope with such a task raises strong doubts among professionals. But this, however, is not the main thing. Much worse is that the Central Bank, according to Kozlov, will decide the fate of banks based on its “subjective judgment: whether to let the bank into the system or not.” What this approach will lead to in our country, where the “subjectivism” of officials is one of the tools in the fight against competitors, is already known.
All this is all the more sad for Russian commercial banks also because, in parallel with the creation of a deposit guarantee system, Andrei Kozlov plans to begin cleaning up the banking system under the guise of strengthening banking supervision. At the same time, he has already announced that about 450 banks will lose their licenses. First of all, the purge will affect small banks whose own funds are less than a million euros. Curators will be sent to the same banks that remain after this. This is where subjectivism begins to rampant.
Actually, it is not difficult to predict what Kozlov’s initiatives will lead to. Deprivation of licenses, inclusion or non-inclusion in the deposit guarantee system, mistakes of curators, mistakes of curators over curators (there will also be such), the subjectivity of the Central Bank - this is the price of Kozlov’s large-scale ideas. The result is panic among clients, among creditors, demonstrations of investors once again deceived by the noble pyramid builder, redistribution of the market, shooting and explosions in the cars and apartments of bankers - it seems that all this has already happened, and quite recently.
In the late 90s, the favorite joke of Central Bank employees was Gerashchenko, who after one of the meetings said: “And you, Kozlov, I’ll ask you to stay!” In those days he was called the “godfather of the State Defense Committee.” He went to the State Duma almost every day. This was his moment of glory. Obviously, Andrei Kozlov still remembers those times with nostalgia. And, apparently, they are not averse to repeating them, even at the cost of another crisis.
Kozlov was allowed into the same garden where
he grazed with benefit for himself in the troubled times of default
Original
this material
© "Russia",
12.07.2002
Returned by the new chairman of the Bank of Russia, Sergei Ignatiev, to his former position in the civil service, the first deputy chairman of the Central Bank, Andrei Kozlov, took up his favorite business - deposits of the population and supervision of banks. The name of this high-ranking Central Bank official is associated with many of the most scandalous stories of the default period. One of them concerned the notorious Tokobank. It was Andrei Kozlov, who worked at that time, as now, as the first deputy chairman of the Central Bank, who desperately tried to save the sinking Tokobank in the fall of 1998. State official Andrei Kozlov also had the chance to act as a guardian of another well-known financial structure - the Montes Auri company, which was headed by the former head of the State Property Committee Alfred Koch. Evil tongues claimed that Andrei Andreevich greatly helped Alfred Reingoldovich’s company obtain a license to operate in a Cypriot offshore. Along with his favorites, the First Deputy Bank of Russia also had stepchild banks. Recall the history of Kozlov’s famous televised address to Russians at the end of August 1998, when the official called on the population to transfer deposits from “problem” commercial banks to Sberbank of the Russian Federation, promising the required payments under state guarantees. However, before the hopeful depositors had time to write the appropriate statements, the Central Bank, represented by the same bank supervisor Andrei Kozlov, stunned the population with a new decision: Sberbank cannot accept the obligations assigned to it regarding the deposits of the population of Inkombank, SBS-AGRO, Promstroybank, Mosbusinessbank, MOST-Bank and MENATEP." Now Kozlov was allowed into the same garden where Andrei Andreevich grazed with benefit for himself during the troubled times of default. Now, it seems, he has a free hand for new achievements in the field of supervision of banks and sensitive care for the savings of Russians.
LATAKIA (Syria), August 15 – RIA Novosti. Master of the game "What? Where? When?" Andrei Kozlov highly appreciated the intellectual level of Russian military personnel at the Khmeimim airbase in Syria.“I am no longer surprised that smart, intellectual and passionate people serve in the Russian army. For me personally, this is a visible result of the reform that has been carried out in the army in recent years,” he told Russian journalists following the results of an intellectual game held at the airbase.
Together with another famous expert, Alexei Blinov, the multiple winner of the “Crystal Owl” staged a real intellectual show for the military and managed to involve the entire audience in it.
“The passion, the interest that all the teams showed without exception, the real fight, without prompting - this is another sign for me. If people take such an interest in the game, then they also take life and service very seriously. I was one hundred percent convinced of this today,” Kozlov commented on the results of the game.
According to the expert, his arrival in Syria is a manifestation of a sense of patriotism, “no matter how pretentious it may sound.”
“If there is such a happy opportunity to brighten up the guys’ lives and their service a little, just a little, just a little, I’m very pleased,” said the expert.
Kozlov returned home from work and shared with his wife:
Yesterday I remembered this old joke twice.
The first time Alfa Bank sent me a text message:
“Vladimir Leonidovich, have a summer of pleasant shopping!
After all, you (you! - damn) have already been approved for a cash loan before...”
And then a quite decent and very seven-digit figure.
Moreover, the number is not round - it means that they approached it individually. With soul!
And somehow this soul immediately felt warmer..., softened... As if you were no longer one of those for whom pedestrian crossings were built, but as if you were numbered among those driving on the roads.
Sil vu ple, Vladimir Leonidovich...
- Mercy, Mikhail Maratovich...
But I’m wondering how, with this approach to lending, they also make a profit?
I've been unemployed for four months now.
In addition, Alfa Bank has been wanting to bankrupt my former company for more than a year.
Sorry! Here, damn it, it’s not “Mercy” - here it’s time to soon with an outstretched hand on the porch: “not mange pas sis jour, Geben mir zi bitte etvas kopek auf dem styuk ford,” Mikhail Maratovich!
And the second time I remembered the joke about Kozlov was when I read the program post by the editor-in-chief of LiveJournal:
And only then did I realize that in the infrastructure of our transport system, not only are there no roads for me, but even the last pedestrian crossing is not provided for: not only do I not care much about the dollar exchange rate, but I don’t really care about what to cook for dinner - what- Someday you will find it.
I’m ashamed to admit that I don’t even have orange socks!
I'm a loser, damn it!!!
Lord, tell me?! Why am I always in the minority?!
How tired of this already! After all, it’s been like this since childhood. The maximum to which I belong is the fifteen percent who are disgusted by the current government.
As, indeed, any one.
The most I've achieved!
And usually even less.
I would like something about culture and science on the main page. And it would be even better to have some crazy ideas and hypotheses - so that they are contrary to the generally accepted, so that theories are turned upside down. So that it is not a paradigm, but a syntagma. A new look from some dizzying angle. I think along the tree, with my soul in the sky...
In general, everything that is interesting only to such loser pedestrians.
No, I understand everything. The majority - they should think first of all about dinner and children. Yes, even about orange socks. This is fine. The whole world rests on such normal people. This is stability - like that of any vessel: the center of gravity should be below the baseboard of the waterline. Otherwise, the ship will quickly overkill.
And I…?
Five years ago, when I just learned about LiveJournal, they talked about it almost as a club of intellectuals. A community whose opinion matters nationwide.
And this is how it turned out.
True, I finally found one like-minded person. One phrase immediately revealed him as an equally lonely and suffering fellow sufferer.
Yes, I think you all remember that bitter phrase:
“After the death of Mahatma Gandhi, there is no one to talk to.”
Lord, how I understand him!
Well... Apparently, he and I will have to wander until the end of our days in restless solitude in our Himalayan heights, inaccessible to anyone else except us and the Mahatma...
The rector of the institute gathered all the teachers for a meeting. We talked and consulted.
Rector, at the end of the meeting:
- Everybody's Free! And you, Kozlov, I will ask you to stay.
And everyone remained...
* * *
Children, now I’ll tell you about the monkeys... stop looking out the window, Petrov, there are no monkeys there, they’re all looking at me.
* * *
The Kama Sutra began to be studied in schools. Now the children will have nothing
draw in textbooks...
* * *
Parochial school, Father teaches a physics lesson:
- now tell me the heaviest body.
Vanya holds out his hand.
B.: - answer, boy.
- x%father!
B.: - give reasons!
I.: - if it falls, you won’t be able to lift it with any crane.
B.: - bad but true!
B.: - now tell me the lightest body.
Vanya reaches out his hand again.
- x%father.
B.: - give reasons!
I.: - rises from one thought.
B.: - bad but true!
B.: - now tell me the hardest body, and you Ivan, keep quiet, otherwise
You will reduce all physics to x%!
The next lesson is theology.
- Now tell me, boys, is the soul separable from the body?
Vanya reaches out his hand again.
Father: - answer, boy.
I.: - Separable, father.
B.: - give reasons!
I.: - yesterday, passing by your house
I heard you say "and now it's mine"
darling, get dressed and go."
* * *
The night before the exam. The phone rings in the professor's apartment.
An irritated, sleepy voice:
- Yes!
- What, are you sleeping, infection?
-?!?!?!
- And we teach.
* * *
It's good to be a student, but studying gets in the way.
* * *
The student received a "2" on the exam. The next day he meets a teacher on the subway:
- Hello, Alexander Ivanovich.
- I don’t greet fools...
- And I say hello!
* * *
A student on a chemistry exam, as usual, knows nothing, but the professor is kind - if the student answers the question, then 5 no - 2.
The professor wrote the formula on the board:
- What is this?
- ???????????????????
- Well, okay, I’m hinting: what do you do when you meet your girlfriend?
- Aaaaaah, this is ebonite.
- Yes, young man, at your age I was more modest, this is celluloid.
* * *
A letter addressed to Santa Claus arrives in the mail. Naturally no one is at the post office
doesn’t know what to do with it or where to send it and decides to open it anyway. Writes
a little boy:
“Dear Santa Claus, I don’t have a mother, my dad drinks, I don’t go to school. We’ve come
please give me some money, boots, a scarf and mittens - I love you and you
the last one who can help me."
Well, the people at the post office are not animals - they shed tears and decided to help the boy: they collected
money, bought him a hat, boots, scarf, but forgot the mittens. Sent away
a parcel for the boy. A month later a letter arrives in the mail again, addressed to Grandfather
The same boy writes to Frost:
"Dear Grandfather Frost, thank you very much: now I go to school - I have
I have a lot of friends, I started eating a lot. Thank you for your gifts: for the hat, for
boots and a scarf, but I didn’t receive the mittens: apparently some bitches are at the post office
were sleeping..."
* * *
Test in electrical engineering. Teacher to student:
- Tell me about the three-phase circuit.
Student:
- Well, a three-phase circuit consists of 3 wires.
- Right. Further.
- Current flows through the first wire, voltage flows through the second, and cosine phi flows through the third.
- HOW?!
- Cosine forward.
* * *
A new student alarm clock was recently released. For the first ten minutes he simply calls, for the next five he reproduces the sound of a rocket engine running before the launch, for the last two he swears in the voice of the dean of the faculty.
Statistics have shown that most students wake up in the last two minutes.
* * *
In the dorm, students are drinking... here is one of them:
- Let's get a pig!!!
In response to him:
- What are you talking about... stink, dirt, SHE will die.
* * *
There is an exam at the Faculty of Zoology. The teacher takes it out of the box
chicken paw and shows the student:
- Guess whose paw this is?
- I don’t know...
- Then you're in trouble!
The student grabs his record book and runs out the door.
- Wait, young man, what’s your last name?
The student sticks his leg out from behind the door:
- Guess!
* * *
Lecture on theoretical mechanics. Lecturer:
- Let’s imagine a three-dimensional object in the shape of a parallelepiped, mounted on four monocyclic units. In other words, let's imagine a cart.
* * *
Children in kindergarten brag about their dads:
- My dad is a policeman, he can handle any bandit! - says Mashenka.
- And mine is a weightlifter, he can handle any weight! - says Petenka.
- But my dad is a sailor, the ocean is knee-deep to him! - says Dimochka.
“And my father is Don Juan,” said Vovochka, “and he doesn’t give a fuck.”
We are Russians! We can shit wherever we want, and we can do whatever we want, and if someone doesn’t like it, we’ll turn off the gas!
I am Russian and I believe that Russia is not an empire, but a large territory of goats!
Seeing and hearing only what you like is the behavior of a goat
Not listening to the comments that people living next to you make to you is the behavior of a goat.
There was news that Türkiye stood up for its coreligionists, the Crimean Tatars. The reaction of the Russian public: we will turn off the gas, we will ban our tourists from traveling to Turkey, we will not buy Turkish consumer goods.
The reaction was not surprising. I'm already used to it. It is not clear on what basis will another freak from the State Duma forbid me to go on vacation to Turkey? I don’t remember that I elected him as a deputy for this. Or decide what I should buy. But this is Russia and the goats are always in the majority here, and of course they will decide everything. They will decide for the benefit of Great Russia.
The whole world knows who the sickest tourists are - these are tourists from Russia. Yes, but few people know that this is one of the pride of Russians and even the reason for many jokes. Carnage at resorts is a reason for pride and courage.
The whole world condemned the attack on Ukraine. Insolent, barbaric, not motivated by anything other than hatred. But Russia is simply bursting with pride. Is the whole world against us? Great, that means Russia is the coolest. This is the logic of the Russians. The world's reaction to Russia's actions is an indicator of toughness.
At one time, at the turn of the 80s and 90s, everyone was very sorry for Russian goats, because the poor little ones were offended. They were offended by Lenin, Stalin, and the USSR. We must feel sorry for them, we must help them. They helped and were sorry. Now the goats have grown up and don’t need help or regret. Yesterday they were goats, and today they are already fully grown GOATS!
Goat sacrifices
It seems that the world has already given up on the territory where barbarians live. Putin sits in the Kremlin, he ensures uninterrupted supplies of oil and gas, and periodically he demands sacrifices for this. There was Chechnya, then Georgia, now Ukraine.
But does Putin demand these sacrifices for himself? Of course not. Putin, who lives in the most expensive palaces in the world, does not need Chechnya, Ossetia, much less Crimea with its Tatars and retired KGB guards and informers who are always whining about Sevastopol. This is a gift for goats, of which there are about 150 million in Russia. Because they give their oil and gas to the world, they need to be pampered from time to time. Just as children are spoiled with sweets, sick goats are spoiled with new territories. Look, little goat, you are not living in vain, the territory of our reserve is expanding. This means you are not an ordinary goat, you are a great goat! And you live in Great Russia - the largest herd of goats in the world.
Of course, the Europeans feel sorry for giving Georgia, Chechnya and Ukraine to be torn to pieces. They find some excuses for themselves, fortunately it’s not at all difficult to find them. The Chechens were labeled terrorists, the Georgians were the first to start, the Ukrainians on the Maidan sang songs loudly and flashed flashlights.
Everything is cynical in a European way. A tamer is needed for a herd of aggressive goats, and Putin is ideal for this position. 15 years of work and practically no punctures. He should be rewarded for his valiant work for the European Union, and not criticized.
The United States periodically scolds the goats, but in a pretend way so that the goats are not offended. They are very touchy in Russia. You cannot offend the builders of Great Russia, so that the patriotic tone does not fall.
The civilized world after World War II realized that cooperation is always better and more profitable than hostility. And only Russia continues to bend its fingers like a brainless gopnik. It is believed that this is how he proves his exclusivity to the world.
If you pester us, we will put such a pile of crap on you that you will suffocate. We are Great Russia and don’t you dare tell us!
Russian exceptionalism is when the whole world is against you, and it makes you sick. What, you don't like the way I hiccup at the table? What if I turn off the gas for you? What if I turn off the oil valve? Since I have oil and gas, that means I can climb on anyone’s head and give a shit. This is the greatness of my Russia, and whoever does not love me like this is an American agent and enemy.
The construction of Great Russia has been going on for 300 years. Tens, if not hundreds of millions of lives have been ruined at construction sites, and Great Russia has not yet been built. A logical question arises: How much more time, money and corpses are needed for Great Russia to finally be built? I would like to know when construction will end?
Goats have their own logic
If you think that Russian assholes don't understand what this article is about, then you are very mistaken. The trouble is that they understand everything perfectly. This is a conscious choice between the goat house and the country for the people. Conscious and, apparently, already final.
Therefore, do not waste time and energy arguing with them. I assure you, it is useless. They have already made their choice and they are very comfortable in this choice.
Wishes to Ukraine
Do not expect or hope that Russia will become different in the foreseeable future. Until the oil and gas runs out, until he starts living with his own mind, he won’t.
My dear Ukrainians and Ukrainians!
There is a very small percentage of sane people in Russia, but it still exists. And we are very worried about you and support you.
I wish you happiness with all my heart. May everything be fine with you and all your dreams come true!
Glory to Ukraine!
Maxim Ivanov, Moscow