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March 2017 (published: 15.03.2017)
Number 1(28)
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Bank credits to small business
Kirillova O.V.
Abstract. In article the provision on expediency of use of loan financial resources at all stages of development of small business is proved, problems of bank financing of small business are analysed and the directions of his expansion and improvement are offered. The main advantages of business are considered. Subjects which can acquire the status of small business entity are analyzed: on share of territorial subjects of the Russian Federation in them; foreign citizens and various organizations which don't treat subjects of small and average business; on the average number of workers; on proceeds from sales of goods and services. Sources of financial resources both own, and loan are disclosed. The ratio of loan and own capital, use of these sources and conditions of their restriction belongs to the key moments in management of the capital. Here features of financing of small business which influence efficiency of his work are revealed, measures of a gain of the bank credits are listed to small business.
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Keywords: small business, small business, bank crediting, loan portfolio, credit factory, net profit, cumulative income, sales proceeds, loan sources, financial resources, market economy, authorized capital.________________________________________
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
UDC 378.14.015
DOI 10.17586/2310-1172-2017-10-1-48-52
Bank credits to small business
Abstract. In article the provision on expediency of use of loan financial resources at all stages of development of small business is proved, problems of bank financing of small business are analysed and the directions of his expansion and improvement are offered. The main advantages of business are considered. Subjects which can acquire the status of small business entity are analyzed: on share of territorial subjects of the Russian Federation in them; foreign citizens and various organizations which don't treat subjects of small and average business; on the average number of workers; on proceeds from sales of goods and services. Sources of financial resources both own, and loan are disclosed. The ratio of loan and own capital, use of these sources and conditions of their restriction belongs to the key moments in management of the capital. Here features of financing of small business which influence efficiency of his work are revealed, measures of a gain of the bank credits are listed to small business.
Read the full article
Keywords: small business, small business, bank crediting, loan portfolio, credit factory, net profit, cumulative income, sales proceeds, loan sources, financial resources, market economy, authorized capital.________________________________________