После публикации статистики ЦБ РФ по ипотеке за август-22 пошли публикации, что резко выросла просроченная задолженность по ипотеке. Действительно, заметно выросла и вероятно продолжит расти в будущем. Но когда говорят о "сильном росте просрочки" полезно посмотреть на показатель в динамике. Текущая доля просроченной задолженности - менее 0,5%, а абсолютный показатель "просрочки" на 15% ниже чем год назад. @reburg
После публикации статистики ЦБ РФ по ипотеке за август-22 пошли публикации, что резко выросла просроченная задолженность по ипотеке. Действительно, заметно выросла и вероятно продолжит расти в будущем. Но когда говорят о "сильном росте просрочки" полезно посмотреть на показатель в динамике. Текущая доля просроченной задолженности - менее 0,5%, а абсолютный показатель "просрочки" на 15% ниже чем год назад. @reburg
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. Perpetrators of these scams will create a public group on Telegram to promote these investment packages that are usually accompanied by fake testimonies and sometimes advertised as being Shariah-compliant. Interested investors will be asked to directly message the representatives to begin investing in the various investment packages offered. Channels are not fully encrypted, end-to-end. All communications on a Telegram channel can be seen by anyone on the channel and are also visible to Telegram. Telegram may be asked by a government to hand over the communications from a channel. Telegram has a history of standing up to Russian government requests for data, but how comfortable you are relying on that history to predict future behavior is up to you. Because Telegram has this data, it may also be stolen by hackers or leaked by an internal employee. "There is a significant risk of insider threat or hacking of Telegram systems that could expose all of these chats to the Russian government," said Eva Galperin with the Electronic Frontier Foundation, which has called for Telegram to improve its privacy practices. Groups are also not fully encrypted, end-to-end. This includes private groups. Private groups cannot be seen by other Telegram users, but Telegram itself can see the groups and all of the communications that you have in them. All of the same risks and warnings about channels can be applied to groups.
from vn
