Полный драматизма и аларма лонгрид о том, что ждет девелоперов, взявших кредиты по плавающей ставке, в следующем году. Останутся на рынке только те, кто спасется. Не простое время и у банков, кредитующих компании из сектора недвижимости. Самый крупный кредитор - Сбербанк, чей общий портфель кредитования в сегменте коммерческой недвижимости достиг 1,7 трлн руб. Половина из этого объема приходится на торговые объекты. В общем, весь текст - это, как нам кажется, большой привет ЦБ.
Полный драматизма и аларма лонгрид о том, что ждет девелоперов, взявших кредиты по плавающей ставке, в следующем году. Останутся на рынке только те, кто спасется. Не простое время и у банков, кредитующих компании из сектора недвижимости. Самый крупный кредитор - Сбербанк, чей общий портфель кредитования в сегменте коммерческой недвижимости достиг 1,7 трлн руб. Половина из этого объема приходится на торговые объекты. В общем, весь текст - это, как нам кажется, большой привет ЦБ.
This ability to mix the public and the private, as well as the ability to use bots to engage with users has proved to be problematic. In early 2021, a database selling phone numbers pulled from Facebook was selling numbers for $20 per lookup. Similarly, security researchers found a network of deepfake bots on the platform that were generating images of people submitted by users to create non-consensual imagery, some of which involved children. Telegram has become more interventionist over time, and has steadily increased its efforts to shut down these accounts. But this has also meant that the company has also engaged with lawmakers more generally, although it maintains that it doesn’t do so willingly. For instance, in September 2021, Telegram reportedly blocked a chat bot in support of (Putin critic) Alexei Navalny during Russia’s most recent parliamentary elections. Pavel Durov was quoted at the time saying that the company was obliged to follow a “legitimate” law of the land. He added that as Apple and Google both follow the law, to violate it would give both platforms a reason to boot the messenger from its stores. Right now the digital security needs of Russians and Ukrainians are very different, and they lead to very different caveats about how to mitigate the risks associated with using Telegram. For Ukrainians in Ukraine, whose physical safety is at risk because they are in a war zone, digital security is probably not their highest priority. They may value access to news and communication with their loved ones over making sure that all of their communications are encrypted in such a manner that they are indecipherable to Telegram, its employees, or governments with court orders. After fleeing Russia, the brothers founded Telegram as a way to communicate outside the Kremlin's orbit. They now run it from Dubai, and Pavel Durov says it has more than 500 million monthly active users. And indeed, volatility has been a hallmark of the market environment so far in 2022, with the S&P 500 still down more than 10% for the year-to-date after first sliding into a correction last month. The CBOE Volatility Index, or VIX, has held at a lofty level of more than 30.
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