2011 promises to small businesses to become more loyal to the area of ??credit

According to industry analysts, 2011 will bring Russian small businesses a chance to grow up mean. So, we already know that many of Russia's banking institutions willing to lend to SMEs on favorable terms. In particular, it is reported to the heads of leading banks in Russia in the first place will be enhanced marketing activity of banks. Namely, Bank staff will develop the program, bringing to small business in the country latest news on credit, the rates on loans and maximum terms of their maturity. Will also increase the number of targeted credit programs, information about loans will become more open and accessible. In addition, there will be development of affiliate programs by banks and the Russian authorities, representing a small business. This information was confirmed during a joint report of the National Institute of System Studies Enterprise (NISIPP) and consulting company Finist. According to the management NISIPP, 2010 therefore gave a positive result for the small business lending. "Over the past year has clearly improved not only the quality of information about new loan products for the MB, but the loan portfolio of banking services. It was noted mitigation requirements to the borrower, the interest rate has declined by nearly 4% (from 20.5 to 16.2 per cent), while some financial institutions and at all proposed conditions for loans even better than what existed before the crisis. We should also note that over the past year and increased the maximum loan amount available for program support and development of MB. By the end of 2010 they reached 400 million rubles, "- said the representative NISIPP. On the other hand the desire to give as many loans to small businesses for its further development is understandable. The fact that many Russian banks are complaining about the lack of serious borrowers (the middle of business). Because it is normal that they personally want to grow these clients. With regard to length of the loan MB, they are representatives of small businesses are now also completely satisfied. Instead of the maximum of 18 months can take credit for 36 months. And it makes all the difference. Of course, such terms in the loan repayment will not be available to all SMEs, yet it is already good. And yet, the experts assure us that in the near future, namely in 2011, will be changed policy of risk assessment when granting loans. And, therefore, to take credit for developing their own businesses will be able to more business.