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PROBLEMS OF DEVELOPMENT OF STATE SUPPORT PROGRAMS FOR LENDING TO SMALL AND MEDIUM-SIZED BUSINESSES

Zubkova Svetlana V.  (C.E.S. associate professor, Department of Banking and Monetary Regulation, Financial University under the Government of the Russian Federation)

Pisakina Darya Sergeevna  (Financial University under the Government of the Russian Federation)

Sukhareva Vlada Vladimirovna  (Financial University under the Government of the Russian Federation)

This article discusses the problems of bank lending to small and medium-sized businesses, and the main reasons that influence the demand for state support programs for SME lending. Currently, potential borrowers are faced with difficulties in obtaining complete information about the operation of these programs, as well as with the transparency of the conditions for participation in these programs in commercial banks.

Keywords:Small and medium-sized businesses, interest rates on SME loans, umbrella guarantee, collateral, models for assessing the credit risk of SMEs
 

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Citation link:
Zubkova S. V., Pisakina D. S., Sukhareva V. V. PROBLEMS OF DEVELOPMENT OF STATE SUPPORT PROGRAMS FOR LENDING TO SMALL AND MEDIUM-SIZED BUSINESSES // Современная наука: актуальные проблемы теории и практики. Серия: ЭКОНОМИКА и ПРАВО. -2024. -№05. -С. 35-38 DOI 10.37882/2223-2974.2024.05.16
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