employee
Russian Federation
student
Center for mortgage lending "Kuzbassky" Bank VTB, 1
employee
Russian Federation
Small business is a key segment for the economy of any country. It can be considered an indicator of the economic climate. A well-developed segment of small and medium-sized business helps the state to solve a number of economic and socially significant problems. The present paper describes the role of small and medium businesses in the country's economy, determines its impact on GDP, studies the possibility of SMEs to access money resources, in particular, the possibility of bank lending to this category of borrowers. The research analyses the dynamics of lending to small and medium businesses by commercial banks. The authors determined the level of overdue loans in the total amount of loans granted, as well as the level of the proposed loan products. The study reveals the main problems that prevent the development of bank lending to small and medium businesses, according to both borrowers and creditors. The authors suggest some possible ways to solve the problem.
small and medium businesses, loan, bank support, arrears, credit products for small business
1. Kurbanova A. A. Current state and problems of development of small and medium business crediting. Problems of modern economy: Proc. IV Intern. Sci. Conf. Chelyabinsk, 2015, 51-56. (In Russ.)
2. Cheremisina T. N. Small and average business - the integral element of modern market system of the economy. Social and Economic Phenomena and Processes, 2011, (10): 216-220. (In Russ.)
3. Novoselova D. S. Problems and directions of development of lending to small and medium-sized businesses. The role of fundamental science in ensuring the financial and economic security of modern Russia: Proc. XVII Intern. Interuniv. Sci.-Prac. Conf. Moscow, 2016, 231-233. (In Russ.)
4. Mazur Yu. A. Small business: trends and problems of lending during the crisis. Bulletin of Scientific Conferences, 2016 (9-5): 129-131. (In Russ.)
5. Mazikova E. V., Iskhakova K. F. Commercial banks and small business: the main directions of cooperation. Molodoi uchenii, 2014, (3): 466-469. (In Russ.)
6. Savinova D. V. Model of lending to small businesses. Bankovskoe delo, 2008, (11): 64-66. (In Russ.)
7. Derbeneva E. N. Characteristics and challenges of bank landing of small and medium businesses in Russia. Vestnik of Astrakhan State Technical University. Series: Economics, 2017, (1): 107-114. (In Russ.)
