Social Financial Technologies for the Development of Large-Scale Healthcare Systems and the Russian Economy

Abstract

The proposed social financial technologies for the development of large-scale healthcare systems and the Russian economy, harmoniously combining the interests of working citizens, owners and the state, make it possible, at quite achievable growth rates of gross domestic product (enterprise revenue) by 3% per year, to ensure a 34% increase in wages of working citizens over 5 years, which will practically end poverty. To increase contributions to the development fund for 5 years by 16%, in which, first of all, the owners of enterprises and the entire workforce are interested, since this ensures the growth of their incomes and the possibility of constant modernization and updating of technological equipment and the release of new competitive products. First, to stabilize, and starting from 2026, to increase deductions to the Federal Compulsory Medical Insurance Fund and income tax, income tax and value added tax receipts and bring this growth to 30% by 2041, which will allow the state to solve problems of development of domestic healthcare and accessibility of medical services to the population of the Russian Federation. When switching to the social financial technologies proposed in the article, almost 4 trillion steering wheels will accumulate on the pension and medical personal accounts of Russian citizens in the first year of implementation. And by 2026, 74 trillion rubles. Providing citizens with 2% per annum, banks will be able to lend to enterprises at 2.5% with a 25% margin, providing the Russian economy with huge, long-term and cheap financial resources.