In calculations banks don't use any money. Banks
measure in currency (any) only
the monetary debts, reverse (according to the card) or nonrecourse (on the
account). Calculations are served only by the operating system of
calculations built between banks, and
money (Central Bank debts) generally fulfills a role of a bank reserve and serves consumers.
The Central Bank with the operating system serves an
insignificant share of cash flows.
Reverse debts are serviced by a financial settlements center, for
example the VISA. This "Central
Bank of Russia" with its own operating system is located abroad.
It is possible to correct this situation only by an introduction of a
new operating system of calculations between banks. It is necessary to bind by the relations the issuer of the monetary document to
calculations in the main contract to serve the national economy. And if this document is attached to a debt of the
Central Bank (money), than the Central Bank will be able to have impact on an
operating system of calculations. It is
also necessary to consider interest of bank issuer of the monetary
document. This is achieved by receiving income from the sale
of the service in maintaining the custody account of the monetary document.
The operating system has to:
1) tie the
monetary document to the Central Bank`s debt by making this document the monetary certificate of the property
right to a debt of the Central Bank (money).
2) tie the
issuer of the document to production relations, having made the issuer of the
document the payer who pays with it for the
contract of delivery of end products in the production market.
3) replace the
financial obligation by depository obligation that brings in the income to the
issuer of the paperless monetary certificate. Both the money is safe, and the
income from a turnover of the monetary certificate.