Market small business lending
Posted on Dec 5, 2000 08:15:27 AM
If you believe Rosstat, a small business in Russia is growing rapidly, outstripping the overall economy. Therefore, for entrepreneurs becoming increasingly relevant questions: how and where to get a loan on favorable terms?
The original banking products, loyal credit schemes, individual approaches – all of these innovations are small business financing are born in Moscow banks and only after testing go to the regions. What is useful to offer bankers small entrepreneurs, actively discussed by experts at a round table in the walls of the AiF.
“Many entrepreneurs are denying themselves a loan only because they are not sufficiently informed about the existing banking products”, – the head of the functional unit of corporate banking business bank URALSIB Alexey Kryukov. Loans – Two-way process: the banks should be able to lend, and entrepreneurs – to be able to correctly receive.
Another problem – the red tape that threatens an individual entrepreneur, reshivshemusya on lending, I’m sure the vice president “supports Russia’s Pavel Sigal:” The paradoxical fact: all the banks, especially large ones, have rushed to develop consumer credit (up to 1-2 million rubles). – and quietly give out loans. If the same amount of turns entrepreneur going to take a loan not a car or a refrigerator, and as working capital to flood the requirements of balance sheets and reports.
However, the forecasts were positive. The market for lending to small businesses will grow, and banks competing for customers, introduce new products. For example, the National Bank “TRUST” now offers entrepreneurs not only loans but also additional services: “We have implemented preferential cash management service for customers, which is called” Small Business “, – told the audience the director of the Directorate of business development and sales unit development SME National Bank “TRUST” Kirill Tikhonov. – Effective loyalty program to customers with good credit history. ”
These and other positive trends, as analysts predict the market will progress, by making loans more and more accessible to a wide range of businesses. This means that in a short time, almost anyone with desire can become a successful entrepreneur.
By the way
Over the past year, small businesses have stepped up their activities in the service sector and construction sector. The number of small companies working in these areas increased by about 5%.
Source: “Arguments and Facts”
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