Businessmen on lending

A study conducted by the National agency of financial researches (NAFI), claims - a quarter of employers have no problem with borrowing. At the same time, more than half of survey participants said - get a bank loan except in accordance with good business plan, having no collateral, difficult or very difficult. Such a view often expressed by representatives of small and medium-sized businesses, regardless of industry. In this case, start your own business with a bank loan is easier in the wholesale and retail trade, services, transportation and light industry - the representatives of these industries have argued that a bank loan easily, some more often than other respondents. Most difficult to get a bank loan, having a good business plan, but without collateral, in the Siberian and Ural federal districts. And the easiest way - in the Central and Volga federal districts. Best loan term - up to three years. Most of the respondents doubted the possibility of attracting financial resources for a period exceeding 3 years later. Confidence in the possibility of obtaining long-term loan of the respondents expressed in two federal districts - the Central and Volga. In all other federal districts, there is an inverse relationship - the smaller the term of the loan, the more likely to obtain approval of the bank. In a survey of representatives of senior management 2,2 thousand Russian enterprises in the selection of competent financial partner. Research participants asked to rate the ease of obtaining bank loans at the stage of starting a business, as well as opportunities to attract financial resources for businesses and receive specialized financial services (factoring, leasing, insurance), tells the magazine "Private Money".