ON THE ISSUE OF IMPROVING THE EFFICIENCY OF CONCESSIONAL LENDING BY BANKS TO BORROWERS

Ushanov A. E.

The article examines the issues of preferential lending by commercial banks to enterprises as a form of additional business support from the state. Among such measures are the adjustment of the loan payment schedule, preferential interest rates, loan guarantees, a moratorium on bankruptcy, etc. Categories of preferential programs, political, economic and social reasons for their generation are disclosed. Special attention is paid to the programs of the SME Corporation and the Bank of Russia. It is shown that, along with the undeniable advantages, the preferred form of financing carries certain problems and risks. Measures are proposed to improve the legal framework and practice of applying the preferential lending regime to borrowers.

Keywords:economic sanctions, state support, SME enterprises, preferential lending programs