The problems of lending to small and medium-sized businesses

If you rely on the data center Fosborn Home ", then on average so far, loans for small and medium enterprises are given an interest rate of 27% per year, the ruble, 18% a year - a dollar. And interest in this relationship are offered not only to private financial institutions, under the same interest issue loans to small businesses and state-owned banks. In addition to increases in interest on loans decreased themselves the amount of credit for small businesses. Now, the maximum amount of loans for small business do not exceed 10 million rubles. Many banks flatly refuse to grant loans in local currency. But that's not all, of the period for which previously were given credit for the MB, now reduced to 2 years old. In general, credit conditions have tightened significantly MB, respectively, and the number of loans has declined. Those employers who do decide to get a loan, are forced to wait for a response from the bank for a month. To receive the credit, small and medium-sized businesses are forced to provide real estate, but not like before - the goods. Anton Lupanov, deputy director of the Department of Small Business PSB: "Now we have less to work with builders. Also, under the special attention of the company engaged in shipping, because the volume of profits of these companies also fell. To solve these problems of small business, the Savings Bank proposed to launch a new product lending MB - "credit factory" - is money issued by the development of small businesses without collateral, for one year at a rate of not more than 1 million rubles.