THE PROBLEMS AND PROSPECTS OF SMALL AND MEDIUM BUSINESS CREDITING IN STAVROPOL REGION
Abstract
Bank credit in some cases the only way for the development of small and medium-sized businesses. The majority of banks in our country, and particularly in the Stavropol region, with great difficulty, make loans to small businesses. Problems of non-repayment of loans, the tightening of the conditions for obtaining a variety of loan products significantly inhibit the development of small and medium-sized businesses. What are the difficulties faced by enterprises and how to avoid them in obtaining credit is reflected in this article. But despite the significant number of difficulties associated with lending to small and medium-sized businesses the support programmes of small business software are created, the business centers are opened, banks cooperation programs and small and medium-sized businesses are implemented
Keywords
малый и средний бизнес,
банковский кредит,
проблемы кредитования,
Гарантийный фонд,
Программа поддержки развития малого и среднего бизнеса,
стимулирование кредитования субъектов малого и среднего предпринимательства,
small and medium-sized businesses,
bank loans,
credit problems,
the Guarantee Fund,
the support the development program of small and medium-sized businesses,
the stimulation of lending small and medium-sized businesses
About the Authors
N. A. Lazareva
North-Caucasus Federal University
Russian Federation
Russian Federation
A. D. Anuchkina
North-Caucasus Federal University
Russian Federation
Russian Federation
References
1. Агаян Ш. А. Проблемы кредитования малого предпринимательства в РФ // Молодой ученый. 2012. №3. С. 138-141.
2. Официальный сайт Государственного казенного учреждения «Ставропольский государственный информационно - консультационный центр». URL: http:www.stav-ikc.ru/.
3. Распоряжение Правительства Ставропольского края от 16 сентября 2009 г. № 336-рп «О создании государственного унитарного предприятия Ставропольского края «Гарантийный фонд поддержки субъектов малого и среднего предпринимательства в Ставропольском крае».
4. Программа стимулирования кредитования субъектов малого и среднего предпринимательства.URL: http:www.sberbank.ru/ru /s_m_ business/credits/psk.
5. Официальный сайт Сбербанка РФ.URL:http:www.sberbank.ru/.
Review
For citations:
Lazareva N.A., Anuchkina A.D. THE PROBLEMS AND PROSPECTS OF SMALL AND MEDIUM BUSINESS CREDITING IN STAVROPOL REGION. Modern Science and Innovations. 2017;(2):334-338. (In Russ.)
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