You will directly go - credit will find.

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You will directly go - credit will find

Programs of crediting of small business till now have experimental character in Russia. There are blanks of legislation regarding liquidity of credit mortgages, a structure of activity of financed firm. Despite of it, today to receive credit to the businessman it became much easier, than two-rub years ago.

For small business in Novosibirsk creditors can be divided into three groups: banks, credit cooperative societies and state funds. Four banks - "Savings Bank", "RusBank", " Bank of Moscow " and " Vneshtorgbank 24 " - finance business under regional program. But bank gives credit for development of manufacture to businessman who already has a positive credit history or account on service. At the beginning chances are too great, that enterprise will go bankrupt.

Not having the special programs, many banks offer kind of loan most popular in businessmen - microcrediting. In beginning of business it is a way out - it is possible to issue consumer credit for urgent needs on working a member of family (husband, wife) and to direct money to business. If you have successfully fulfilled first credit and have received positive credit history it is possible to make out crediting of individual businessman working without formation of legal person, or crediting of the legal person for more significant sum.

Crediting of business for stages "start-up" is incured partly by credit cooperative societies. Their basic purpose - without participation of state to create mechanism of financial help for citizens-shareholders. Capital of cooperative society is formed due to shareholders, of their own resources and under their control. Thus, personal guarantees of shareholders become main "trump" by consideration of application for credit. Cooperative societies differ an individual approach to clients and fast consideration of applications. In Novosibirsk cooperative movement is still poorly developed. Under cumulative capital and on number of shareholders leader among Russian regions became Kuzbas. So, in current to year to Kemerovo cooperative societies have given out credits for 1150 million roubles. But there are also difficulties. Delay of payments from users of cooperative credits makes 30-40 %.

State funds of support of business help business and advice, and credit. But also here it is possible to count on something in financial plan, being engaged in business not less half a year. Novosibirsk regional fund of support of small business realizes three programs. It is program of support of sphere of consumer services (interest-free credit for 1,5 years), target credits to subjects of small business operating in material sphere, and microcrediting (it is calculated on sphere of trade, fast money under high percent). According to the amendment to Law " About state support of small business in Novosibirsk area ", accepted by deputies of regional Advice of 11/30/2006, preferential target credits businessmen of sphere of trade, construction and henceforth can receive others. Innovation will concern strong business, turned out strong to communication with commercial organizations registered in NSO. For example, if applicant for soft loan has decided to construct a building for company or to buy new equipment and not less than half of charges becomes covered due to work of local firms - it can count on support of state.
But state credits have "reefs". " In my opinion, requirements to small business are overestimated, it is necessary to collect weight of documents, - Elena Pilipenko, director of Regional fund of support of small business makes comments. - size of support also is limited by a parameter of " a gain of tax payments ". Though any business cannot predict, as there will be for it this or that year. Businessman, especially being on ENVD cannot, is constant " to grow taxes ", in fact sometimes question costs about a survival of business. Besides " retaliatory measures " for default business-plan for development, for not handed over in time are declared to bodies of state support the reporting ".

State support small businesses (SMP) is given to subjects also in form of subsidizing interest rate of credit and maintenance of mortgaging obligations. Size of grant for indemnification of interest rate under credit varies from 1/2 up to 3/4 rates of refinancing of Central Bank of Russian Federation and is defined individually for each SMP. Grants are given for term of action of credit contract, but no more than for two years.

To create mortgaging fund in Novosibirsk area yet it was not possible. On these purposes of NSO has received on competition from federal budget 17 million roubles. But money do not work, and soon can be withdrawn back in federal budget. " If we shall not agree about all mechanisms, they and " will lay ", - Sergey Semka, chapter of regional department of development of industry and business makes comments on a situation. - can, we not well enough untwisted project. Can, to person who only begins business, cleanly psychologically it is difficult to address for help to state. And strong businessmen simply have no need to address still somewhere ". Program of maintenance of mortgaging obligations was widely advertised in areas of area, but success there had no.

Source: Info Cash Loan (23.12.2006)

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