Economic security and investment policy

The article examines the relationship between economic security and Russia’s monetary and investment policies. The study aims to identify the theoretical causes of the limited effectiveness of measures intended to neutralize economic threats and to formulate proposals for improving monetary circulation and financing economic growth. The methodology combines systemic and institutional approaches, monetary theory, comparative analysis, and a critical assessment of regulatory practice. Particular attention is paid to inflation targeting, the key policy rate, investment credit, exchange-rate regulation, and the distribution of powers among the central bank, the Ministry of Finance, and commercial banks. The authors argue that restrictive monetary policy and high borrowing costs constrain productive investment, deepen structural imbalances, and weaken economic resilience. The study discusses the laws of credit emission, the applicability of money, public regulation of monetary circulation, the quantity of money, and the interdependence of money and power. As an institutional alternative, the article considers the “Triunity” concept, which separates banking operations from payment functions, establishes registration and payment hubs, and strengthens public control over financial flows. The scientific contribution lies in applying general monetary theory to economic security and substantiating a redesign of payment infrastructure. The proposed system is expected to increase transaction transparency, restrict corruption and shadow operations, reduce capital outflows, and redirect resources toward investment. The findings may support adjustments to monetary, exchange-rate, and investment policies. The article concludes that a sovereign financial model should use credit emission, differentiated interest-rate regulation, and targeted production financing as instruments of growth and national security.